What are my Best Buy credit card approval odds?

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… read full answer

• 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.

You can check your Best Buy® Credit Card application status either online or by calling the Best Buy® Credit Card center at (888) 574-1301. Both methods are quick and easy, and will tell you whether your application is approved, denied or still pending.

The same methods apply to the Best Buy® Store Card… read full answer, too. If your application is approved, you can expect your new card to arrive by mail within 10 business days.

Here’s how to check your Best Buy® Credit Card status online:

1. Go to the Best Buy® Credit Card page.
2. Click “Check application status.”
3. Enter your date of birth, Social Security number, and zip code.
4. Click “Submit.”

You’ll now be able to see the status of your Best Buy® Credit Card application. But you don’t have to do the check online if calling is more convenient.

Here’s how to check your Best Buy® Credit Card status by phone:

1. Call the Best Buy® Credit Card center (888) 574-1301.
2. Enter your Social Security number.
3. Give the representative your application reference number. If you don’t have it handy, Best Buy can look it up with your name and SSN.

If you’re approved, your card should already be on its way. If more than 10 business days go by, you should call the Best Buy® Credit Card center again to check. If you’re denied, you can always ask for reconsideration. Citibank issues both versions of the Best Buy® Credit Card, so you’ll have to go through them. And you’ll need to convince them that your credit or income is actually better than it appeared on your application. The number is (888) 201-4523.

You need a 640+ credit score to get approved for the Best Buy Store Card. That means Best Buy Store Card requires fair credit or better for approval. There are other things besides your credit score that are taken into account for Best Buy Store Card approval.

Here's what you need for the Best Buy Store Card:… read full answer

• The basics. You will need a U.S. mailing address and a Social Security Number (SSN). You also need to be at least 18 years old (21, if a resident of Puerto Rico) and have enough individual income to afford credit card bills.
• At least fair credit. That means a credit score of 640+, but your approval odds only increase as your score gets higher.
• Income and other information. You will need to provide information about your total annual income. Your spending and the amount of debt you owe will also get factored in to the final decision. Ultimately, your debt-to-income ratio needs to be favorable enough to show that you can afford a credit card. Citibank may also consider other factors, such as how many recent credit inquiries you've had and the length of your credit history.

Keep in mind that you will have to apply for a Best Buy® Credit Card. If you do not meet its requirements, you will also be considered for the Best Buy Store Card and the Best Buy® Gold Visa Credit Card. The Best Buy® Credit Card requires good credit or better (a score of 700+) for approval, while the Best Buy Store Card and Best Buy® Gold Visa Credit Card require fair credit or better (a score of 640+).

Applying for a Best Buy® Credit Card triggers a hard inquiry on your credit, which can lead to a temporary dip in your credit score. So if you don't know where you stand, you can check your score for free, right here on WalletHub. And if your score needs improvement, feel free to check out our guide on how to improve your credit score.