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.
7/18/18 I applied for the Best Buy card with a TU 667 EQ 668. The staff member asked me how much I would like to apply for. I asked for 3k and I was approved for the Visa card. Based on all the horror stories, I avoided buying stuff. This little bag of tricks will stay where the sun don’t shine. Imagine what it takes to build your credit, and once you get a new card you max it out. The inquiry will set you back a couple points, maxing out the card on the first day lowers your score dramatically. Assuming you leave the card alone, your overall credit limit increases and your score should maintain and increase quickly. I applied for an Amex card last night and received a 1k cl.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance. … read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
I just applied for the Best Buy card, I was approved for a Visa Best Buy issued by Citibank, I had 616 score, I had no lates, no collections, one inquiry, one open account and two closed account, all of them are paid good, they did only Equifax to make a decision.… read full answer
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. 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.