My Best Buy Visa Card vs Optima Platinum Card

Side-by-side comparison of My Best Buy Visa Card and Optima Platinum Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	My Best Buy Visa Card	Optima Platinum Card
Issuer	Citibank	American Express
Network	Visa	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$49.00
Base Rate	1.00%	0.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	2.7%
Lifecycle	Active	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	0.0% (base)
Best Buy	5.0%	0.0% (base)
Gas Stations	3.0%	0.0% (base)
Restaurants	2.0%	0.0% (base)
Supermarkets	2.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	10.99% - 18.99%	14.99% - 14.99%
Cash Advance APR	21.24%	28.74%
Penalty APR	21.49%	29.99%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	—	—
Trip Cancellation Interruption	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Citi 8/65	Standard