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My Best Buy® Credit Cards

Apply today, shop today

10% backSee disclosure

in rewards on your first day of purchases when you are approved for the Card. Plus, as a new Cardmember you’ll receive welcome offers with discounts, bonus rewards and more.

Already have the Card?

Make payments, check your balance and more.
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Compare our Cards

Shopping at Best Buy My Best Buy® Credit Card My Best Buy Visa® Card

5% back"See Disclosure" in rewards

Yes Yes

Flexible financing options

Available Available
Shopping where Visa® is accepted

3% back"See Disclosure" in rewards

on gas purchases

Not available Available

2% back"See Disclosure" in rewards

on dining and takeout purchases

Not available Available

2% backSee disclaimer 2% Back in Rewards in rewards

on grocery purchases

Not available Available

1% back"See Disclosure" in rewards

on other purchases

Not available Available

Limited-time bonus reward categories.

Not available Available

No Annual Fee | Credit line and APR: Same for both cards

The My Best Buy® Credit Card has all the benefits.

5% back*in rewards

Here’s how it works.

Get a $5 reward certificate"See Disclosure" for every $100 spent at Best Buy with your Card.

Earn on premium brands like Apple, Beats and Thermador.

Bank your points* until you’re ready to redeem.

Bonus rewards and more throughout the year.

or

Financing that works for you.

Pay over time with low monthly payments.

Multiple plans can be open on your account.

A variety of options for any purchase, big or small.

Learn how financing offers work

Everyday financing offers

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

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.

Whether you’re a Best Buy Totaltech™ member or thinking of joining, here are today’s featured deals, with many more available online and in store.

Five ways to pay your bill

Online

Make a payment online or check your balance.

Pay now See Disclosure

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.

In store

Our Blue Shirts can help you process your payment.

Find a store

Disclosures.

Flexible financing:

*Subject to credit approval. Terms and conditions apply. Easy Replenish™ purchases excluded. See Financing Details for more information. In select stores. Online offer may vary. Subject to change without notice. 

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.

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.

External link notification:

*By clicking on the link you agree to Citibank's Terms and Conditions and Privacy Policy.

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 28.49%–30.49%, non-variable 9.00%–24.34%, Min. interest charge up to $2; My Best Buy Visa® Purchase APRs: variable 14.99%–30.49%, non-variable 9.99%–20.24%, Cash APRs: variable 29.99%, 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.

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.