How to apply to My Best Buy Visa Credit Card

The Citi My Best Buy Credit Card is a co-branded credit card issued by Citibank and Best Buy that offers tremendous rewards and financing benefits tailored specifically for Best Buy shoppers.

With up to 10% back in rewards on your initial Best Buy purchase after approval and 5% ongoing rewards on all other Best Buy purchases, it’s the ultimate card for maximizing savings at the popular electronics store.

Benefits of My Best Buy Credit Card

The Citi My Best Buy Credit Card comes packed with special perks for Best Buy aficionados including:

• Get 10% back in rewards on your first day’s purchases at Best Buy when approved for the card
• Earn 5% back in rewards on all other Best Buy purchases going forward
• Option to choose flexible, low monthly payment financing offers instead of rewards on any Best Buy purchase
• Additional bonus rewards like 3% back on gas, 2% on dining/groceries, and 1% on other purchases
• Free shipping on qualifying Best Buy orders
• Exclusive cardmember offers, discounts, and VIP access to special sales and events
• Financing options on both large & small purchases with multiple open financing offers available in your account

These rewards benefits make the Citi My Best Buy Card incomparable for maximizing savings and flexible financing at Best Buy stores and on BestBuy.com. The 5% ongoing rewards earn rate in particular beats what you can earn at Best Buy with virtually any other credit card.

Prerequisites

To qualify for approval for the Citi My Best Buy Credit Card, you’ll need:

• Good to excellent credit (scores generally 700 and above)
• Debt-to-income ratio of 50% or lower
• A few years of credit history with other credit accounts in good standing

Who is this card for?

The Citi My Best Buy Credit Card is ideal for frequent Best Buy customers who want to get the most savings and financing benefits during their shops. Specifically, the card best suits:

• Frequent Best Buy shoppers who visit stores or BestBuy.com regularly
• Anyone planning a large upcoming Best Buy purchase who wants financing options
• Tech enthusiasts who buy electronics, appliances, etc. at Best Buy often
• Customers interested in exclusive access to Best Buy sales events and offers
• Those with good credit seeking rewards for their regular spending

Overall, the card is tailored for loyal Best Buy fans who can maximize on the 5% rewards or special financing through regular store purchases.

Step by Step to Apply

Applying for the Citi My Best Buy Credit Card only takes a few quick steps:

1. Access the official website to access the online application for the Citi My Best Buy Credit Car
2. Provide some basic personal information like your name, birthdate, address, and Social Security Number to begin the application.
3. Review the terms and conditions of the card then submit your application.
4. You’ll receive an instant decision on whether you’ve been approved. If approved, you can begin using your account number immediately both online and in Best Buy stores.

PRESS TO HERE TO ACCESS THE MY BEST BUY CARD WEBSITE

Positives and Negatives

For loyal Best Buy customers, the upsides of the Citi My Best Buy card are plentiful while the downsides are limited. On the positive side, you’ll earn an industry-leading 5% back in rewards on every Best Buy purchase, making it easy to rack up points for tech and appliance redemptions. The card also grants exclusive access to special financing offers, Best Buy sales events, and member-only discounts not available to average customers. And with no annual fee, the perks roll in at no extra ongoing cost.

Potential drawbacks focus mainly on the high 26.99% APR and good credit requirement which makes the card inaccessible to some. Additionally, while accelerated rewards can be earned outside Best Buy, redemption is limited to Best Buy gift certificates rather than cash back or travel. So, for those wanting maximum incentives on Best Buy purchases specifically, the positives easily outweigh the negatives. But it is less ideal for those who want rewards flexibility and transferability to other loyalty programs.

How to Activate Your Card

Activating your Citi My Best Buy Credit Card is simple. Follow these steps:

1. Wait for your card to arrive in the mail within 7-10 business days after approval. It will come in an unmarked envelope.
2. Locate the sticker on the front of your card with the 4-digit security code. Scratch off the sticker to reveal this code.
3. Call the number on the back of your card (1-888-247-1057).
4. Provide identifying details like your name, card number, Social Security Number if asked, and the 4-digit security code you revealed.
5. Set up your unique PIN number for card transactions when prompted.

Once the short activation process is complete, your card will be ready to use at Best Buy or anywhere else it’s accepted!

Fees & APR

The Citi My Best Buy Credit Card has the following rates and fees:

• 0% introductory APR for 6 months
• Ongoing purchase APR of 26.99%
• Balance transfer fee of 5% or $5 minimum
• Cash advance fee of 5% or $10 minimum
• No annual fee
• Late fee up to $40
• Returned payment fee up to $40

As you can see, while there is no annual fee, the card does have penalty fees and a high ongoing APR if you routinely carry a balance. Manage the card responsibly by paying on time and in full each month if possible.

About Citibank

The Citi My Best Buy Credit Card is issued by Citibank, a nearly 210-year-old international financial institution based in New York. With over 200 million customer accounts across 6 continents and $1.3 trillion in assets, Citibank is recognized as one of the world’s largest and most innovative banks.

Originally founded in 1812 as City Bank of New York, Citi has continually set benchmarks in banking, launching innovations like the first ATMs in 1977 and one of the earliest banking websites in 1994. Today, Citi remains on the cutting edge, investing billions in digital banking solutions for the 21st century. With a focus on technological advancement powered by analytics and AI, Citibank creates simplified, personalized financial products catering to modern customers.

The longevity, scale, and constant innovation make Citibank an ideal banking partner for powerhouse retail brands like Best Buy. Together, Citi and Best Buy have collaborated to produce the uniquely rewarding Citi My Best Buy Credit Card that lets loyal Best Buy fans maximize savings.

Download the Citi Mobile App (iOS, Android) on your phone to easily manage your new account, track purchases & rewards, get custom offers and more!

PRESS HERE TO DOWNLOAD THE CITI MOBILE APP ON IOS

PRESS HERE TO DOWNLOAD THE MOBILE APP ON ANDROID

Customer Service

Citi My Best Buy Credit Card customer service can be reached for any questions or issues with your account:

• By phone at 1-800-374-4934
• Check your account and messaging through online banking
• Stop by your local Best Buy store and speak to customer service

Discover other credit cards in our website, like the Wells Fargo Active Cash Visa Credit Card!