Citibank is one of the top credit card issuers with over 70 million cards in circulation. Having good credit or better (a score of 700+) means you have a good shot of getting approved for the Best Buy® Credit Card. And those with fair credit or better (a score of 640+) have a chance of getting approved for the Best Buy® Gold Visa Credit Card and the Best Buy Store Card. You can also take a look at a more comprehensive review of the Best Buy® Credit Card offers and see which one is right for you.
The Best Buy® Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Best Buy® Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Best Buy® Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Best Buy® Credit Card credit score requirement. You can check your credit score for free on WalletHub.
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.
Citi uses all three major credit bureaus to evaluate Best Buy Store Card applications.
That doesn’t mean it will pull all three of your credit reports, though. Citi will mostly use your Experian report, with Equifax also being quite likely. In rare cases they will pull your TransUnion report instead.
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