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My Best Buy® Credit Cards

Every day with the My Best Buy® Credit Card.

5% back*in rewards.

or

financing options

starting on purchases $299 and up.

Make payments, check your balance and more.

Waiting to hear back about your credit card application? Check your application status*

Manage Account*
Credit cards

Apply today, shop today.

10% back * in rewards on your first day of purchases, or choose financing, when you are approved for the My Best Buy® Credit Card.

Apply Now View pricing & terms

Financing that works for you

Learn how financing offers work

6 month financing on new Best Buy Totaltech™ membership purchases

totaling $199 and up. 
Limited-time offer ends 8/27/22. 

Get the Xbox Series S bundle for payments of $17

for 24 months totaling $405 with reduced APR of 0%.
Limited-time offer ends 10/30/22. In select stores only.

24 month financing on hearing aid purchases

totaling $699 and up. 
Limited-time offer ends 1/26/23. 

18 month financing on Yardbird purchases

totaling $999 and up. 
Not available in Yardbird retail locations or on Yardbird.com.

Easily access your Cardmember exclusive offers.

Simply sign in to your My Best Buy® Credit Card account at Citibank, click on the My Offers tab, and view or activate your exclusive offers. These offers change frequently, so be sure to check back often.
Sign In to View Offers*

Compare our Cards

My Best Buy Credit Card

My Best Buy Visa® Card

Learn more
Shopping at Best Buy

5% back* in rewards

 Yes Yes

Financing options

 Available Available
Shopping where Visa® is accepted

3% back* in rewards

on gas purchases

 Not available Available

2% back* in rewards

on dining and grocery purchases

 Not available Available

1% back* in rewards

on everyday purchases

 Not available Available
Apply Now

View pricing & terms

My Best Buy Rewards

Your Card is part of the My Best Buy® program, giving you even more rewards to save on the technology you want at Best Buy.

Learn more

Purchases Points Reward certificate value

5% back* in rewards

when you choose standard credit

 $500 1,250 $25

As a Cardmember, you have the exclusive option to bank your My Best Buy points* until you’re ready to issue a reward certificate.

Four ways to pay your bill

Online

Make a payment online or check your balance.

Pay now*

By mail

Send your payment, including account number, to the address printed on your statement.

By phone

Call 1-888-574-1301. Have your account number and valid check from a U.S. bank ready when you call. There is no fee when you pay through our automated system.

By text

Text PAY to 81964 using the mobile device connected to your My Best Buy Credit Card account. After we confirm your identity, you’ll receive a text asking how much you would like to pay and which payment account you would like to use. You’ll receive a payment confirmation via text.

Message and Data rates may apply. Payment account information must be on BestBuy.AccountOnline.com to take advantage of pay by text — feature is not available for debit card payments.

5% back in rewards:

*Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. Points are not awarded on promotional credit purchases. Does not include tax. Additional limitations may apply. Subject to My Best Buy® Program Terms. Subject to change without notice.

Reward Certificate:

Reward certificates are coupons for discounts off future purchases at Best Buy® stores and BestBuy.com®.

Points banking:

Point banking will be terminated if your Credit Card account is closed and banked points will be issued as reward certificates. See My Best Buy Program Terms for details. To set your point banking preference visit BestBuy.com/RewardsOverview

Financing details:

*As of the last 30 days, My Best Buy®, Magnolia™ & Pacific Sales™ Credit Card Purchase APRs: variable 25.74%–29.49%, non-variable 9.00%–24.34%, Min. interest charge up to $2; My Best Buy Visa® Purchase APRs: variable 12.24%–29.49%; non-variable 9.99%–20.24%, Cash APRs: variable 27.49%–29.49%,  non-variable 24.49%–26.24%; balance transfer fee is the greater of $15 or 5% of the amount of each transfer; cash advance fee is the greater of $10 or 5% of the amount of each cash advance; Min. interest charge up to $1; Annual Fee: $0–$59, based on creditworthiness. On approved purchases on the My Best Buy Credit Cards issued by Citibank, N.A. Min. Payments required. Easy Replenish™ purchases excluded. In select stores. Online offer may vary. Subject to change without notice.

10% back in rewards:

*Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account opening will get an additional 2.5 bonus points (an additional 5% back in rewards, for a total of 10%). Points are not awarded on promotional credit purchases. May not be combined with other offers. Does not include tax. Additional limitations may apply. Subject to My Best Buy Program Terms. In select stores. Online offer may vary. Subject to change without notice.

3% back in rewards:

*Get 1.5 points per $1 spent (3% back in rewards) on net purchases made at gas stations. Subject to merchant classification of Visa® transactions on which we rely.

2% back in rewards:

*Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants, bars and grocery stores. Subject to merchant classification of Visa® transactions on which we rely.

1% back in rewards:

*Get 1 point per $2 spent (1% back in rewards) on net purchases outside Best Buy or Pacific Sales® Kitchen & Home Stores with the My Best Buy® Visa® Card.

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