Update 12/19/24: Deal is now 20% back on first day.
The Offer
- Best Buy credit card from Citibank is offering a signup bonus of 15% back in Rewards on your first day of purchases. Offer ends 9/3/24.
Card Details
- Card earns 3% cash back on gas, 2% on grocery/dining/takeout and 1% everything else
- No foreign transaction fees
- 5% cash back on Best Buy purchases
- Points banking feature
Our Verdict
Standard offer is 10% back, it’s now up to 15% (apparently unlimited earn).
The card often has spend bonuses throughout the year which is another reason some people find it worth getting/keeping. Some people get each quarter a 5% cash back chosen category, up to $75 back, on either travel, wholesale, utilities, home improvement, grocery, dining, gas, or clothing.
Hat tip to reader TDD
I have a couple of questions:
I spent $1800 during Cyber Monday. Can I call them to get that transaction switched over to this card?
Great way to get a 4090.
Will I earn 20% on ANY purchases made at bestbuy or are there exclusions?
I want to do it but it is Shitty bank. There is a high chance Citi will block my card on the first/second purchase and force me to wait for the snail mail with verification code on it 🤣.
I had something similar happen with my first Citi Strata. I waited probably 2 weeks just to receive it, and on the first purchase it got blocked. Fraud department said that my phone wasn’t eligible to receive verification texts, I couldn’t do anything not even close the account till I received the snail mail letter, but then suddenly they stated that my wife’s phone could receive verification texts and they unblocked my card once I could verify the code they sent her. The annoying part is that she isn’t involved in the account at all, she isn’t an AU,I could have literally given any number lol. Whole thing took like 2 hours on the phone.
Whole thing makes me very hesitant to get any more cards with them.
You can get 20% off something new just by bringing in an old mouse or old device.
You aren’t getting 20% off a refrigerator by bringing in an old mouse.
This belongs in the Best of DoC Hall of Fame.
good one! I didn’t realize a refrig was on the list. If it’s unlimited then time to go shopping!
YMMV on the store. I know all the stores near me don’t do that anymore
It’s 20% back on first day now.
Also forgot to mention that the card has everyday 3% cash back on gas, 2% on grocery/dining/takeout and 1% everything else.
Apparently, there are no foreign transaction fees. I did not know this. That’s good to know.
Updated the review, thx
How is Best Buy still in business?
Like, any day now… vulture capital firms loading them up with debt like Red Lobster, Toys-R-Us, and Bed, Bath & Beyond.
We get it, most of it’s on Amazon anyway.
Because they still offer top brands. That’s what did Bed Bath and Beyond, Sears and similar businesses in – they realized they could get a better margin by offering crappy private labeled products from China and nixing expensive contracts with top brands. It worked briefly until everyone realized they could buy the same cheap crap from Amazon for cheaper. As sales and margins fell, it was a death spiral of awful management decisions.
Best Buy still makes great money and is a very profitable company, they just aren’t and won’t grow because of what they sell. They also don’t have any real competitors.
Lol
How to buy it?
Same as usual, choose the product, type in your cc, follow the website instructions and complete the purchase.