Best Buy Credit Card
Basic Information
Program ID: 004
Issuer: Citibank
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 06:50
Last Scraped: 01/15/2026 05:04
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 3,149.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,149.00%
Sign-Up Bonus
Bonus Amount: $5,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Rewards typically post within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Flights (booked directly with airlines), 5x Hotels (booked directly), 3x Dining, 3x Supermarkets, 3x Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Flying Blue (Air France/KLM), JetBlue TrueBlue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the welcome bonus requires applicants to be new cardmembers to the '004' product family and not have received a bonus for any card within this family in the past 24 months, starting from the date the previous bonus was received. All applications are subject to Citibank's standard creditworthiness and internal approval criteria, including credit score, income, and existing credit relationships with Citibank.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) beyond reasonable limits, excessive credit cycling, high cumulative credit limit across all Citibank accounts, rapid accumulation of new credit cards, defaulting on other Citibank products, frequent product changes or downgrades immediately after receiving a bonus, and suspicious transaction patterns inconsistent with typical spending.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards on Best Buy purchases, good financing options, easy to apply in-store.
Top Negative Feedback:
High APR, rewards only valuable at Best Buy, limited benefits for everyday spending.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0