Yes, you can use the Best Buy® Credit Card anywhere that accepts cards on the Visa network. That means you can use the Best Buy® Credit Card at 10.7 million merchant locations in the U.S., as well as with millions more merchants across 200 countries and territories worldwide.

The Best Buy® Credit Card has a 0% foreign transaction fee, which means you won't incur extra charges for international purchases. The card also comes with an annuals fee of $0 and offers 0.5 - 2.5 points per $1 spent on purchases, so it's a good option for people who spend a lot on their card each month.

Keep in mind that, unlike the Best Buy® Credit Card, the Best Buy Store Card is a store credit card that can only be used at Best Buy. The Best Buy Store Card is not affiliated with a major card network.

The Best Buy® Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Best Buy Store Card.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Best Buy Store Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you...

Your Best Buy® Credit Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Best Buy® Credit Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN as well.

What You Need for Good Best Buy® Credit Card Approval Odds

• Good credit or better+ credit score
• Enough income to pay...

The Best Buy® Credit Card annual fee is $0. Best Buy® Credit Card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Best Buy® Credit Card, though.

Best Buy® Credit Card Fees

• Annual Fee: $0
• Cash Advance Fee: 5% (min $10)
• Foreign Fee: 0%
• Balance Transfer Fee: 5% (min $15)
• Max Late Fee: $41

To learn more, refer to WalletHub's guide on...

You cannot upgrade your Best Buy® Credit Card to the Visa version.

If you want the Best Buy® Credit Card, you'll have to submit another application. Keep in mind that this could result in a hard pull on your credit, which may lower your score for a short period of time. So make sure you qualify for it.

You can check your Best Buy Store Card balance online. You can use the same login details to check your balance on-the-go on the Citi mobile app, available both on iOS and Android. Either way, you need to sign up for online banking.

You can also check your balance by phone: 1-800-950-5114. If you call from a phone number on file with that card, you'll automatically hear your account balance.

The main difference between the Best Buy Store Card and the Best Buy® Credit Card is where they can be used. The Best Buy Store Card can only be used at Best Buy, while the Best Buy® Credit Card can be used anywhere Visa is accepted.

Another difference between the two cards is the minimum credit score required for approval. You need to have at least good credit for the Best Buy® Credit Card. The Best Buy Store Card, on the other card, has more lenient approval requirements, as can get it...

Your Best Buy Store Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Citibank explaining the exact reason for the denial.

If you feel your application deserves a second look, you can call Citibank to ask for reconsideration. However, you're only likely to succeed if you can prove your credit and/or income are significantly better than they appeared...

Yes, you can use your Best Buy Store Card both in-store and online instantly after approval. The same applies to the Best Buy® Credit Card, too.

To make purchases using the Best Buy Store Card at a Best Buy store, you'll need to bring your ID, in order to verify your identity.

If you want to use this card online, you will have to save the card as your primary payment method in your Best Buy online account. After that, you'll be...

No, you probably cannot get a Best Buy® Credit Card with bad credit (a score below 640), as this card requires at least good credit (a credit score of 700+). You'll also have a hard time getting approved for the Best Buy® Store Card, which requires fair credit or better (a credit score of 640+).

So, if you apply for the Best Buy® Credit Card, your application will probably be denied. On top of that, the application will result in a hard inquiry on...