My Best Buy® Credit Card

Citibank Pending

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16

Benefits

5

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: 004

Issuer: Citibank

Card Name: My Best Buy® Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 06:50

Last Scraped: Feb 07, 2026 16:29

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 0% on eligible balances incurred prior to active duty start date. (Source: Citibank Military Benefits page)

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Best Buy Purchases 5x Cash Back Qualifying purchases made at Best Buy stores or BestBuy.com. No Cap
Gas 2x Cash Back Qualifying purchases made at gas stations. No Cap
Groceries 2x Cash Back Qualifying purchases made at grocery stores. No Cap
Dining 1x Cash Back Qualifying purchases made at restaurants. No Cap
All Other Purchases 1x Cash Back All other qualifying purchases made everywhere Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Reward Type: ThankYou Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Supermarkets, 3x Restaurants, 3x Gas Stations, 3x Air Travel, 3x Hotels

Quarterly Rotating: No

Expiration Policy: ThankYou Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1.25x

Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, EVA Air Infinity MileageLands, Flying Blue (Air France-KLM), JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Wyndham Rewards

Benefits & Protections (Detailed) 16 Total
PENDING
Purchase Protection 2
Purchase Security
Up to $500 per claim, $50,000 per account

Covers eligible new purchases made with your card against theft or damage for 90 days from the date of purchase.

Extended Warranty Protection
Up to 1 additional year, up to $10,000 per claim, $50,000 per account

Extends the manufacturer's original U.S. warranty by an additional year on eligible items purchased with your card, for warranties of five years or less.

Security 6
Zero Liability Protection
Full protection

You are protected from unauthorized purchases made with your card or account information. You won't be held responsible for fraudulent charges.

Fraud Monitoring
Proactive monitoring

Citibank actively monitors your account for suspicious activity and will alert you to potential fraud.

Identity Theft Protection
Assistance services

Get assistance if you become a victim of identity theft, including help with credit bureau notifications and replacing stolen documents.

Lost/Stolen Card Reporting
Assistance services

Get assistance reporting your lost or stolen card and preventing unauthorized use.

Emergency Card Replacement
Expedited replacement

If your card is lost or stolen, you can get an emergency replacement card expedited to you.

Emergency Cash Disbursement
Access to cash

In emergency situations, you may be able to receive emergency cash from your available credit line.

Shopping 4
Best Buy Rewards - 5% Back
5% back in rewards

Earn 5% back in rewards (2.5 points per $1) on qualifying purchases made at Best Buy stores or BestBuy.com when using your My Best Buy Credit Card.

Best Buy Rewards - 2% Back (Dining, Gas, Groceries)
2% back in rewards

Earn 2% back in rewards (1 point per $1) on qualifying purchases made at restaurants, gas stations, and grocery stores when using your My Best Buy Visa Card.

Best Buy Rewards - 1% Back (Everywhere Else)
1% back in rewards

Earn 1% back in rewards (0.5 points per $1) on all other qualifying purchases made anywhere Visa is accepted when using your My Best Buy Visa Card.

Flexible Financing Options
Varies by offer

Choose between earning 5% back in rewards or selecting special financing options on qualifying Best Buy purchases. Specific offers and terms apply.

Travel Assistance 2
Travel and Emergency Assistance Services
Referral services

Provides a range of referral services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of third-party services.

Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program available 24/7. Services include towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Travel Insurance 2
Auto Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option.

Worldwide Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment when you purchase your common carrier travel tickets with your eligible card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $0.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing

⚠️ Interest will be charged to your account from the purchase date if the promotional plan balance is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the '004' card requires applicants to be at least 18 years old, a US resident, and possess a strong credit history. The primary bonus eligibility rule is the '24-month rule': applicants are generally eligible for one welcome bonus per card family every 24 months. This means if you've received a bonus on any card within the '004' family (or a related product as defined by Citibank) in the past 24 months, you will not be eligible for a new bonus on this specific card. Citibank also typically limits new credit card applications to one every 8 days and two every 65 days.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Citibank products, rapid succession of credit limit increase requests, suspicious spending patterns inconsistent with declared income, non-organic spending solely to meet bonus requirements, abuse of return policies, or frequent balance transfers from other issuers.

Cliff Effect Rules: The most significant 'cliff effect' for the '004' card family is the 24-month bonus eligibility rule. If a welcome bonus has been earned on any card within the '004' product family (or a closely related product as defined by Citibank) within the last 24 months, the applicant will not be eligible for a new welcome bonus on the '004' card, even if approved for the account. This rule resets 24 months from the date the previous bonus was earned, not from the application date.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent rewards on Best Buy purchases, good financing options, easy to use for store loyalists.

Top Negative:
Limited rewards outside Best Buy, high APR, occasional customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Chase Freedom Unlimited

Card Value Score: 65.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2024-04-01