There is no Best Buy® Credit Card concierge benefit. Cardholders with questions about their account can call 1 (888) 574-1301 for assistance, but the customer service representative won’t be able to perform the wide range of services provided by some credit card concierges.
A concierge acts like an on-demand personal assistant for cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although Best Buy® Credit Card does not offer concierge service, plenty of other credit cards do. If the benefit is important to you, some popular credit cards that have a concierge are Chase Sapphire Preferred® Card and Capital One Venture Rewards Credit Card.
No, there is no annual fee for the Best Buy® Credit Card. So you don’t have to worry about paying a cent for just having it. You can keep it open with 0 balance and it will help you improve your credit score. Just remember to use it from time to time to avoid it being closed due to inactivity.… read full answer
Here’s what you need to know about the Best Buy® Credit Card:
It has a $0 annual fee
Good credit or better is required for approval
Best Buy® Credit Card is part of the Visa network, so can be used anywhere that accepts Visa.
It has a deferred interest plan. So, make sure to pay your balance in full before the reduced rate period concludes to avoid high APRs being applied to your entire original purchase amount.
Some of Best Buy® Credit Card’s other fees include a 5% (min $10) cash advance fee and a late fee of up to $35. So, the $0 annual fee helps offset these other costs.
Applying for the Best Buy® Credit Card and getting rejected will have you considered for the Best Buy Store Card and Best Buy® Gold Visa Credit Card. So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.
It is also worth noting that Best Buy® Credit Card offers 15% back in rewards (7.5 points per $1 spent) on your first day of purchases made within the first 14 days. So, if you’re a regular Best Buy shopper and use your Best Buy® Credit Card responsibly, it will save you a lot of money.
Your Best Buy® Credit Card approval odds are pretty good as long as your credit score is at least fair. There are actually two Best Buy credit cards, the Best Buy® Credit Card and the Best Buy® Store Card that you can only use at Best Buy. Your odds of Best Buy® Credit Card approval will only be good if your credit score is at least good. But if you don’t get that version, you’ll be automatically considered for the Best Buy Store Card, which requires fair credit. But there’s more to Best Buy® Credit Card approval than just your credit score.… read full answer
Here are the Best Buy credit card approval requirements:
Credit score: fair for the store card, good for the Visa.
Age: 18+ years old (21 in Puerto Rico).
Mailing address. Must be located in the U.S.
Social Security Number. You need an SSN to apply and can’t substitute an ITIN.
Income. The amount of money you make factors heavily into approval.
Be sure to check your credit score before applying. If it’s below 640, take time to improve your score first. Even a month can make a big difference. But if it’s more than a minor fix, you might want to put a deposit on a secured credit card and use that for credit rebuilding purposes until you get into the fair credit range.
The Best Buy® Credit Card does not offer extended warranty, unfortunately. However, Best Buy offers its own protection plan that customers can sign up for, so that they’re covered when a manufacturer warranty ends. But this will not be free of charge, unlike extended warranty benefits offered through credit cards.
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