The Best Buy Credit Card bonus is an extra 2.5 points per $1 spent (5 points per $1 total) on the first day of purchases made with the card, within 14 days of opening an account. After that, cardholders get 2.5 points per $1 spent on Best Buy purchases, in-store and online. Members of the Best Buy Elite Plus loyalty program also earn an additional half-point bonus for every $1 spent at the store.
The 5 points signup bonus offer applies to both the Best Buy Visa Credit Card and the Best Buy Store Card, but only people who get approved for the Visa are eligible for other bonuses. Those include 1.5 points per $1 spent at gas stations and 1 point per $1 spent at restaurants and bars. Those are bonuses because all other purchases outside of Best Buy get just 1 point for every $2 you spend. Points earned with either the Visa or the Best Buy Store Card are awarded in the form of Best Buy rewards certificates, which are redeemable only toward Best Buy in-store or online purchases.
By the way, as an alternative to the Best Buy Credit Card bonus, you can choose “flexible financing,” which defers the interest on your in-store or online purchases for 12 to 48 months on both the Best Buy Credit Card and the Best Buy Store Card. But these arrangements can end up being very expensive if you don’t pay in full before the promotional period ends.
The Best Buy credit card credit score requirement is fair credit for the store card and good credit for the Visa. That means a 640+ credit score probably gets you a Best Buy credit card, but you’ll likely need a 700+ score to be awarded the version that lets you earn Best Buy rewards everywhere you shop. You don’t get to pick, though. There’s only one application, and Citibank (the issuer) decides which you get based on your credit score and a few other factors.… read full answer
The Best Buy credit card credit score & other requirements include:
Credit score: 640+ (700+ for the Visa).
Credit history: If it’s on your credit report, it’s a factor.
Ability to pay: Income, assets and debt are key.
Legal requirements: You must be at least 18 years old with a U.S. mailing address and Social Security number.
Store credit cards are among the easiest credit cards to get. And you can get a good sense of whether you’ll satisfy the Best Buy credit card credit score requirement by seeing which credit cards will pre-approve you. There’s no Best Buy credit card pre-approval check, but plenty of major credit card companies offer the service. They include Capital One, which has cards for people of all credit levels, and Citi – the Best Buy cards’ issuer. If you get pre-approved for a card that requires good credit or better, you’ll have a good shot at the Best Buy Visa. If it’s a fair-credit card, the Best Buy Store Card is more likely. And if it’s a secured card, you may want to improve your credit a bit before applying for a Best Buy card.
You can make a Best Buy® Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay a Best Buy® Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.… read full answer
Ways to Make a Best Buy® Credit Card Payment
By phone: Call 1-888-574-1301 and enter your card information when prompted.
Online: Log in to your online account and click on “Make a Payment.”
Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
By mail: Send a check or money order (but not cash) to My Best Buy® Credit Card Payments / P.O. Box 9001007 / Louisville, KY 40290-1007. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any Citibank branch during normal business hours.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.