The My Best Buy Business Credit Card (Citibank) is a business credit card from My Best Buy Business Credit Card (Citibank). Application typically pulls a hard report from Experian. The annual fee is $0–$59, based on creditworthiness.. The ongoing APR is variable 27.74%–30.74%, non-variable 6.00%–24.34%. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 15% back in rewards on your first day of purchases.. Rewards: 5% back in rewards on qualifying Best Buy purchases.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family..