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My Best Buy® Credit Card from Citi: annual fee, APR and rewards
Fact sheet for the My Best Buy® Credit Card, issued by Citi, with a $59 annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
Issuer
Citi
Annual fee
$59 a year
Fee waiver
Annual Fee: $0 - $59, based on creditworthiness
Rewards
Earn 5% back in rewards (2.5 points per $1) on qualifying Best Buy® purchases, or choose flexible financing instead of rewards. Reward points redeemable for Best Buy® reward certificates.
Purchase APR
My Best Buy Credit Card Purchase APR: variable 30.99%
Sign-up bonus
Earn 10% back in rewards on your first day of purchases at Best Buy® or choose flexible financing when you are approved for the Card.
Credit level
Excellent, Good, Poor (tiers the issuer reports to the CFPB)
What new cardholders actually got
In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 30.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.