The main Best Buy credit card requirements are a fair or good credit score and some form of income. You also need to be at least 18 years old and have both a U.S. address and an SSN. But the requirements for the Best Buy Store Card, which you can use only at Best Buy, aren’t as strict as those for the Best Buy Visa, which you can use anywhere. For example, you’ll need a 640+ credit score for the Store Card but 700+ for the Visa.
Exactly what Citi, the issuer, looks for isn’t public knowledge, of course. But you can at least work on improving the major things that matter most before applying.
Here are the Best Buy credit card requirements:
640+ credit score. This will give you good odds for the Best Buy Store Card, but you need a 700+ credit score to be in the running for the Visa.
Income. Creditors must confirm your ability to pay before approving you for an account. You’ll naturally need more income for the Visa than the Store Card.
Basic requirements. You need to be at least 18 years old with a U.S. mailing address and a Social Security Number.
Other factors. Citi will take plenty of other things into consideration, like your debts and the number of cards you’ve opened recently.
Overall, the Best Buy credit card requirements aren’t too bad if you’re just looking to get the Store Card. The average person should be able to meet them. The Best Buy Visa, however, is quite a bit harder to get.
If you have bad credit, you may want to consider a secured credit card instead. Capital One and Discover have good ones.