What are the Best Buy Credit Card requirements for approval? This question is about the Best Buy® Credit Card

What are the Best Buy Credit Card requirements for approval?

This question is about the Best Buy® Credit Card

Chip Lupo, Credit Card Writer

@CLoop • 10/21/22 This answer was first published on 10/11/21 and it was last updated on 10/21/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The main Best Buy® Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security Number or Individual Taxpayer Identification Number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.

The same requirements apply to the Best Buy® Store Card, too, except that this card requires at least fair credit for approval.

Best Buy® Credit Card Requirements

At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Good credit or better

If you apply for the Best Buy® Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.

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Benjamin Lozo, Member

@lozo_benjamin • 03/21/18 This answer was first published on 03/21/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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This is the Visa version, so the fact that you can use it anywhere does come with higher requirements. If you're around 700, and you've got a good enough income, you should be fine to apply for it.

How long does it take to get approved for the Best Buy Credit Card?

You might be approved instantly for the Best Buy® Credit Card if you clearly meet the approval criteria and the issuer can immediately verify your identity. Other applications might require further review, taking up to 10 business days. However, if you don’t get a decision immediately after applying, it doesn’t mean you won’t have a shot after your application is reviewed in more detail. Most applicants are notified by mail of the issuer’s final decision within 10 business...

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What are my Best Buy credit card approval odds?

Your Best Buy® Credit Card approval odds are pretty good as long as your credit score is at least good. 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. If you don’t get the Best Buy® Credit Card, 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.

Here are the Best Buy credit card approval...

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Can I get a Best Buy Credit Card with no credit?

No, you cannot get a Best Buy® Credit Card with no credit. The Best Buy® Credit Card requires good credit or better (a score of 700+) for approval. If you do not qualify for it, you will be considered for the Best Buy® Store Card and the Best Buy® Gold Visa Credit Card, which require at least fair credit (a credit score of 640+).

When you have no credit, it essentially means you have no borrowing or payment history on your credit report. Lenders like to see a...

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