Best credit card to use at Pacific Kitchen & Home

Updated October 30, 2026

My Best Buy Visa earns the most at Pacific Kitchen & Home: 5% in points at 1¢ each. Pacific Kitchen & Home usually codes as everything else. With no annual fee, Citi Double Cash earns 2%.

Check with your own cards

Top 10 cards at Pacific Kitchen & Home

1. 1
   My Best Buy Visa 5%
   Citi · $59 a year
2. 2
   Citi Double Cash 2%
   Citi · No annual fee
3. 3
   SoFi Unlimited 2% 2%
   SoFi · No annual fee
4. 4
   Wells Fargo Active Cash 2%
   Wells Fargo · No annual fee
5. 5
   Capital One Venture Rewards 2%
   Capital One · $95 a year
6. 6
   Capital One Venture X Rewards 2%
   Capital One · $395 a year
7. 7
   Chase Freedom Unlimited 1.5%
   Chase · No annual fee
8. 8
   IHG One Rewards Premier 1.5%
   Chase · $150 a year
9. 9
   IHG One Rewards Premier Select 1.5%
   Chase · $350 a year
10. 10
    Citi Strata Elite 1.5%
    Citi · $595 a year

Good to know

• Best Buy's appliance showrooms. Citi pays its Best Buy rate here too.

From the issuers' terms

• My Best Buy Visa: “All qualifying purchases at Best Buy® earn 5% back” citi.com, checked 2026-10-24.
• Citi Double Cash: “Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay” citi.com, checked 2026-10-26.
• SoFi Unlimited 2%: “Members earn 2 rewards points for every dollar spent on purchases” sofi.com, checked 2026-10-24.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

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