Rewards · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
Citi Best Buy Visa is a no-annual-fee points card from Citi. Its best everyday rates are 3x on gas stations, 2x on dining, and 2x on grocery stores; everything else earns 1x. There is also 5x on Best Buy, a single-merchant rate. Rewards are Best points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $130, an effective 0.5% back.
Get it if you already fly or stay with Best often enough to use the perks. A general travel card earns points that go more places. It charges 3% on foreign purchases, so leave it home when you travel abroad.
5% back in rewards at Best Buy
2% back in rewards on grocery, dining and takeout purchases.
3% back in rewards on gas purchases.
2% back in rewards on grocery, dining and takeout purchases.
No welcome bonus is stored for this catalog entry yet.
Citi adds nothing beyond the Visa Traditional benefits below.
These come from Visa, not from Citi. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Best Buy® VisaThis card · 3x on gas stations | None | $130 | +$130 | 915th of 1,284 |
| Citi Double Cash®Citi's most-held other card · 2% on everything | None | $492 | +$492 | 281st of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
