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.
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.
It can take anywhere from a few minutes to 10 business days to get approved for the Best Buy® Credit Card. Certain applications that meet the issuer’s exact criteria may be approved instantly. 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 days of applying.… read full answer
You can also check your Best Buy® Credit Card application status online or by by calling customer service at (888) 574-1301.
Provided your application is approved, you can expect your new card to arrive by mail within 14 days of approval.
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.
When you have no credit, it essentially means you have no borrowing or payment history on your credit report. Lenders like to see a track record of responsible credit use, and without it, you’re not likely to be approved for any card that requires at least fair credit.
Even though you won’t be able to get a Best Buy® Credit Card with no credit, you can become an authorized user on someone else’s account. That will enable you to get your own card and get access to the primary cardholder’s credit line. Account information will also get reported to credit bureaus enabling you to start building credit. But keep in mind that negative information will also be reported.
There are no shortcuts to get a Best Buy® Credit Card with no credit. It will take time, and an established payment history with at least fair credit (a score of 640+) in order to have a shot at approval. Feel free to also take a look at WalletHub’s guide on how to build credit. Check your credit score regularly, and apply once your credit score falls within the required threshold. Just make sure your credit score is supported with a verifiable income and a low level of debt.
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