Cardholders must choose between earning rewards or using promotional financing for each purchase; you cannot do both simultaneously. Standard Reward Rates : 5% back (2.5 points per $1). Elite Plus members can earn 6% back. Gas Stations (Visa only) : 3% back (1.5 points per $1). Dining & Grocery (Visa only) : 2% back (1 point per $1). Other Purchases (Visa only) : 1% back (1 point per $2). Introductory Offers

There are two primary versions of the card, and your approval for either depends on your creditworthiness:

In lieu of rewards, you can opt for deferred-interest financing on qualifying purchases: : Purchases of $299 and up. 12 Months : Purchases of $599 and up.

If the balance is not paid in full by the end of the promotional period, interest will be charged retroactively from the original purchase date at the standard variable APR. Key Fees and Interest Rates (April 2026)

: An "open-loop" card accepted anywhere Visa is honored.

: Ranges from approximately 14.24% to 30.74% , which is significantly higher than the national average. Late Fee : Up to $41. Foreign Transaction Fee : 0% for the Visa version. Expert Comparison My Best Buy® Credit Cards | Citi.com

: Some sources report a limited-time bonus of 15% back on the first day of purchases for approvals through May 3, 2026. Promotional Financing Options