My Best Buy® Visa® Card from Citi: annual fee, APR and rewards

Fact sheet for the My Best Buy® Visa® Card, issued by Citi, with a $59 annual fee and cash back. 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
Network	Visa
Annual fee	$59 a year
Fee waiver	Annual Fee: $0 - $59, based on creditworthiness
Rewards	Cashback: 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. Outside Best Buy: 3% back in rewards on gas purchases; 2% back on grocery, dining and takeout purchases; 1% back on other purchases.
Purchase APR	My Best Buy Visa Purchase APR: variable 30.99%
Balance transfer fee	The greater of $15 or 5% of the amount of each transfer (Balance Transfer 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.
Foreign transaction fee	None
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.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.