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My Best Buy Visa Platinum and Gold Card
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The My Best Buy Visa offers two different tiers of credit accounts. The Platinum and Gold with the main difference between the two being the annual fee of $59 applied to Gold account members. All purchases made on the Visa contribute towards the Best Buy Elite and Elite Plus rewards membership program. Previously this account offered bonus points on grocery purchases and may offer bonus points for other spending categories in the future.

Annual Percentage Rate (APR)

Purchases and Balance Transfers: 25.24%
Cash Advance: 27.99%
Minimum Interest Charge: $1.00
0% finance promotion on select products varies from 12 to 36 months determined by the product purchased with promotion.
Credit Plans
  • 24 Month Credit Plan: 0% to 11.99%
  • 6 Months: 8.99% to 12.99%
  • 48 Month Credit Plan: 11.90%

Credit Card Fees

Annual: None for Platinum, $59 for Gold
Balance Transfer: The greater of $15 or 5% of transfer amount.
Cash Advance: The greater of $10 or 5% of cash advance
Late Payment: Up to $40

Sign-up Bonus and Benefits

10% rewards on first purchase after being approved for an account.
Best Buy Rewards
2.5 points per dollar spent on Best Buy purchases
1 point per dollar spent on restaurants, bars, and grocery purchases
1 point per two dollars on all other purchases
$5 gift certificates are automatically sent upon reaching 250 points or you can bank points for a higher redemption amount
Points expire if no account activity for 12 months
Visa Rewards
3 points per dollar spent at the pump
2 points per dollar spent at the grocery store and restaurants
1 point per dollar on all other purchases


Apply Online at under the credit card menu tab or in-store
Issuer: Citibank, N.A.
VISA brand credit card
Online Account Management: Pay Your Bill Online
Pay by Phone: 888-574-1301

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