Best Buy Credit Card Problems May 2026

: Rewards are issued as Best Buy gift certificates that expire quickly—often within 60 days —and cannot be used elsewhere. Account & Service Issues

: Citi (the card issuer) is known to close accounts for inactivity, sometimes in less than a year. best buy credit card problems

: Cardholders frequently report login failures on the Citi portal due to: Verification codes (2FA) not being sent. Syncing errors with third-party apps like Quicken . : Rewards are issued as Best Buy gift

Users have reported accounts being closed without warning after just two missed payments, even during medical emergencies. Syncing errors with third-party apps like Quicken

: While high limit increases are possible, they often require a hard credit pull , which can temporarily lower your credit score.

While the My Best Buy® Visa® Credit Card offers high rewards for tech enthusiasts, it is frequently criticized for complex deferred interest rules and aggressive account management policies.