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Best Buy® Gold Visa Credit Card

Best Buy® Gold Visa Credit Card

3.1WalletHub Rating

WalletHub Rating

3.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

3.4

Market Comparison

3.0

fees: 2.0

rewards: 3.3

cost: 3.2

APR: 3.2

TermsReviewsFAQContact

WalletHub Rating

3.1/5

Best Buy® Gold Visa Credit Card has a rating of 3.1/5 according to our proprietary credit card rating system. This rating reflects how appealing Best Buy® Gold Visa Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Best Buy® Gold Visa Credit Card earned a score of 2.0/5 for Fees, 3.3/5 for Rewards, 3.2/5 for Cost, 3.2/5 for APR, and 3.4/5 for User Reviews. Info about the Best Buy® Gold Visa Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

User Reviews

3.4/5

53 reviewsRead and write reviews

Market Comparison

3.0

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.

Fees

2.0

Rewards

3.3

Cost

3.2

APR

3.2

3.0/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit, Fair Credit

Annual Fee

$59

APR on Purchases

0% intro APR for 18 - 24 months, 31.49% (V) APR after that

Balance Transfer

APR: 31.49% (V)

Balance Transfer Fee 5% (min $15)

Rewards

Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.

Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.

Get 1.5 Points per $1 spent (3% back in rewards) on net purchases made at gas stations.

Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants (including takeout), bars and grocery stores. Plus, 1 point per $2 spent (1% back in rewards) on net purchases made with your credit card outside Best Buy or Pacific Sales® Kitchen & Home Stores.

Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.

Best Buy® Gold Visa Credit Card's Additional Info

Balance transfers must be completed within the first 4 months of opening your account. After this period, transfers are no longer allowed.

Deferred Interest Details: No Interest if paid in full within 18 or 24 months on appliance and grill purchases of $599 or $1,499, respectively.

Deferred Interest Details: No Interest if paid in full within 24 months on Apple Watch Ultra 3 purchases of $799 or more.

Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.

Limited time offer - Deferred Interest Details: No Interest if paid in full within 24 months on Samsung Galaxy Tab S11 purchases of $799 or more.

Deferred Interest Details: No Interest if paid in full within 24 months on home theater purchases of $999 or more.

Learn More

at Citibank's secure site

Best Buy® Gold Visa Credit Card Pros & Cons

High rewards rate

10% back in rewards initial rewards bonus

No foreign fee

Qualify with fair credit

Membership fees

High regular APR

Compare The Best Buy® Gold Visa Credit Card vs. Popular Alternatives


3.1WalletHub Rating WalletHub Rating 3.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.4 Market Comparison 3.0 fees: 2.0 rewards: 3.3 cost: 3.2 APR: 3.2	3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0	4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 4.2 Market Comparison 4.4 fees: 5.0 rewards: 4.3 cost: 4.6 Other Features: 0.0
(53)	(1,056)	(14)
annual fee$59	annual fee$0	annual fee$0
Purchase Intro APR0% for 18 - 24 months	Purchase Intro APRNot Offered	Purchase Intro APRNot Offered
transfer intro aprNot Offered	transfer intro aprNot Offered	transfer intro aprNot Offered
Regular APR31.49% (V)	Regular APR19.49% - 27.49% (V)	Regular APR19.49% - 28.24% (V)
rewards rate 0.5 - 2.5 points / $1	rewards rate 1 - 5% Cash Back	rewards rate 1 - 5% Cash Rewards
bonus offer10% back in rewards	bonus offerNone	bonus offer $150 Amazon gift card
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Best Buy® Gold Visa Credit Card Reviews

Share your insights and review for the Best Buy® Gold Visa Credit Card

3.4

What's Your Rating?

John McKernan
October 16, 2022 • @johnmckernan13

Verified Customer

I've had my BEST BUY VISA credit card for over six years now. I've bought cell phones many times with it. Also the first time I used it I purchesed a GPS.

Comment

Michelle K Gardner
May 28, 2021 • @michellekimgardner

Verified Customer

Your basic credit card. I got it in order to buy some stuff I needed for school, and they had some sort of deal. Not really worth it in the long run.

Comment

Alexa H
February 10, 2016 • @alexah2

I got this card when I needed a new laptop. I liked they offered a card I can use anywhere and receive points for my purchases, rather than just the store card. The APR is high but it's no interest if paid within 6 months, so I keep paid up on it. Customer service has been great anytime I've had a question.

Comment

+ 50 WalletHub users submitted a rating without writing a full review

Review Best Buy® Gold Visa Credit Card

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* The information about the following cards has been independently collected by WalletHub: Best Buy® Credit Card, PlayStation® Visa® Credit Card, Apple Card, Kohl's Credit Card, Best Buy® Gold Visa Credit Card, and Best Buy® Store Card.

Offer last updated: Sep 22nd, 2025 at 09:42 ET

Best Buy® Gold Visa Credit Card

Best Buy® Gold Visa Credit Card

Credit Score

Annual Fee

APR on Purchases

Balance Transfer

Rewards

Best Buy® Gold Visa Credit Card's Additional Info

Best Buy® Gold Visa Credit Card Pros & Cons

Compare The Best Buy® Gold Visa Credit Card vs. Popular Alternatives

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Best Buy® Gold Visa Credit Card Reviews

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Important Disclosures

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