Purchase APR
33.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $1,004.70
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33
My Best Buy Visa
Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
30.74%
Annual fee
None
0% intro
None
0% transfer
30.74%
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered30.74%
Median30.74%
Highest offered30.74%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered30.74%
Median30.74%
Highest offered30.74%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.99%
Median29.99%
Highest offered29.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 5% or $15
Cash advance feegreater of 5% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$41
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Contactless Payments
- Chip card
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone888-475-1301
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 30.74%$768.50
You lose$418.50
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 30.74% afterwards.
Cost to carry a balance
Interest for a year at 30.74%$922.20
Annual / periodic fees$0
Total yearly cost$922.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
82 documents filed by Citibank, N.A. in the 2026 Q1 archive.
- AAdvantage Executive World Elite Mastercard Cardmember Agreement293 KB
- AAdvantage Executive World Elite Pricing and Information Table224 KB
- AAdvantage Globe Mastercard Cardmember Agreement290 KB
- AAdvantage Globe Pricing and Information Table203 KB
- AAdvantage Platinum Select World Elite Cardmember Agreement304 KB
- AAdvantage Platinum Select World Elite Pricing and Information Table222 KB
More from this issuer
Purchase APR
32.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $974.70
Purchase APR
32.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $974.70
Purchase APR
20.49–28.49%
Annual fee
$595
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $1,329.70 incl. $595 fee