The Best Buy credit card’s bank is Citi, for both the store card and the general-use card. And the general-use card belongs to the Visa network. That’s why you can use it places besides Best Buy. And it’s why the Best Buy Visa requires good credit, while you only need fair credit for the store card.
Those are the biggest differences between the two cards, but there are a couple more that you should be aware of.
Here’s the Best Buy credit card bank:
The Best Buy Visa Card is through Visa and Citi. The Best Buy Credit Card is only issued through Citi.
You can only use the Best Buy card in store, but you can use the Best Buy Visa card anywhere that accepts Visa.
There’s only one application, and Citi will decide which card you get, if any. The store card requires fair credit or better, and you need at least good credit for the Visa.
Both cards give you 5% back at Best Buy. The Visa offers extra rewards: 2% back on dining and groceries, and 1% everywhere else.
The Best Buy credit card bank is Citi, and the good credit version has a Visa affiliation. But more importantly, neither card charges an annual fee, and both will reward you handsomely on Best Buy purchases.
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