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.
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.
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