Maria Adams, Credit Cards Moderator
@m_adams
No, you probably cannot get any of the Best Buy cards with a 580 credit score. The Best Buy® Credit Card requires at least good credit, which means you need a credit score of 750 or better for high chances of approval. You’ll also have a hard time getting approved for the Best Buy® Store Card, which requires fair credit or better (640+ credit score recommended).
So, if you apply for either of the Best Buy credit cards, your application will likely be denied. On top of that, the application will result in a hard inquiry on your credit report, which can damage your score further. Your best bet at the moment is to focus on improving your credit score, which will in turn improve your Best Buy Store Card approval odds.
Steps to Increase Your Best Buy Card Approval Odds
- Catch up on credit card bills. Make up for any missed payments to prevent old problems from getting in the way of your credit score improvement.
- Get a secured credit card. Secured cards have the highest approval odds. To open one, you must put down a security deposit that will serve as your credit line.
- Use your new card responsibly. Always pay your credit card bill on time and in full, if possible. You should also use less than 30% of your credit limit.
- Pay down debts. The less debt you have relative to your income, the better.
- Check your score often. Once you get to a 640+ credit score, you’ll have decent Best Buy Store Card approval odds.
It’s not wise to try to get a Best Buy credit card with a 580 credit score. But it’s not too difficult to move from bad credit to fair credit and drastically up your odds of approval for the store card version. Just use a secured card responsibly.
Alternatively, feel free to take a look at our editors' picks for the best credit cards for bad credit to weigh your options.
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People also ask
What store credit card can I get with a 580 credit score?
The best store credit card you can get with a 580 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% back at Amazon.com and Whole Foods Market purchases for Prime members. It requires a minimum security deposit of $100, making it easier to get with bad credit. This card can also be used only at Amazon and select merchants that take Amazon Pay.
Store Cards for a 580 Credit Score
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Overall, there really aren’t many store cards...
read full answer by Chip Lupo, Credit Card WriterWhat are the best credit cards for a 580 credit score?
The best credit card for a 580 credit score is the opensky Plus Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The opensky Plus Credit Card also reports to the credit bureaus, which can help you build credit. You’ll have to put down an initial deposit of at least $300 to open the account, but that’s fully refundable.
Best Credit Cards for a 580 Credit Score
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- Rates & Fees No Security Deposit:
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- Details, Rates & Fees Partially Secured:
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read full answer by Chip Lupo, Credit Card WriterWhat are the easiest store credit cards to get?
Montgomery Ward Credit Account is among the easiest store credit cards to get, as you can get approved with bad credit (a credit score of 500+). The card does not charge an annual fee, so it can help people with no credit or even bad credit improve their credit score for free.
Easiest Store Credit Cards to Get
- Potential for Low APR:
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Ongoing Rewards: N/A
Annual Fee: $0
Minimum security deposit: N/A
Credit requirement: Accepts people with...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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