I have a credit score of 650. Will they approve me?
1
UpvoteReply
Joseph Bulebush
It's not just about the score, they'll check everything on your file. With that said, yeah, it's above the minimum 640, so you have good chances.
Best Buy® Store Card
Best Buy® Store Card
Info about Best Buy® Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards605Reviews38Q&AContactRewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
Get 3 points (6% back in rewards) by spending at least $3,500 in purchases in a calendar year.
Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
Enjoy exclusive discounts and events and free shipping on purchases $35 and up
APR on Purchases
0% - 12.99% intro APR for 12 - 48 months, 26.74% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
June 28th, 2022
Best Buy Store Card Pros & Cons
No membership fees
High rewards rate
10% back in rewards initial rewards bonus
Qualify with fair credit
Spending caps on rewards
High Regular APR
Best Buy Store Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Deferred Interest Details: No Interest if paid in full within 12 months on storewide purchases of at least $299.
Deferred Interest Details: No Interest if paid in full within 24 months on home theater purchases of $999 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 or more.
Deferred Interest Details: No Interest if paid in full within 18 on appliance purchases of at least $599.
Deferred Interest Details: No Interest if paid in full within 18 months on Yardbird purchases of $999 or more.
Deferred Interest Details: No Interest if paid in full within 24 months on Microsoft Surface purchases or $699 or more.
Extended purchasing plans – 0% - 11.99% APR for 24 months, 8.99% - 12.99% APR for 36 months or 11.90% APR for 48 months on select purchases eligible for the reduced rate credit plan.
Questions & Answers
Can't find what you are looking for? Submit your question about Best Buy® Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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If I use my credit card to purchase something online can I pick it up at the store?
1
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Is the Best Buy Store Card secured or unsecured?
0
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How do I get pre-approved for the Best Buy Store Card?
0
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How do I apply for the Best Buy Store Card?
0
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Can you get pre-approved for this card?
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What criteria is used to determine eligibility?
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What is the minimum credit score required to be approved for a Best Buy Store card?
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Compare The Best Buy Store Card
Purchase Intro APR0% - 12.99% for 12 - 48 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR26.74% (V)
Regular APR17.99% - 26.99% (V)
Regular APR26.99% (V)
Rewards Rate2.5 points / $1
Rewards Rate1 - 5% Cash Back
Rewards RateNone
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Best Buy Store Card Reviews
Share your insights and review the Best Buy® Store Card
3.7
605 reviews
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4 Star Rating
My wife and I currently hold a credit card from best buy. We love that you can use it anyware and gain points towards best buy purchases.
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5 Star Rating
I have a best buy credit card that I love. I have used to buy my computer and ipod in the past. When I bought my I pod, it had a special of paying it off in 6 months without any interest. Since the ipod was only $300.00, I was able to make a payment of $50.00 a month without any interest at all. I was very happy with that, because I do not like to be behind on payments. I will always use my best buy card in the future for more purchases. I recommend this to everyone who does not have a best buy card.
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Yes I would love to get a Best Buy credit card too but it's way to hard to get approved. I wish I could have a family member or a friend that could get a Best Buy Credit Card and add me as an authorized user to make purchases and pay them off on time each month.
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5 Star Rating
My Best Buy credit card is one of my favorite ones for multiple reasons. One of those reasons is because they reward the customer for making multiple purchases and spend a lot of money on the store. I remember this one time I was purchasing a portable air conditioning system at my local store and I was also able to impress one of my girlfriends because of the amount of money that I spent that day. Compared to the other stores, the stuff you get at best buy is pretty decent when you compare the price but their credit card allows you to stack up some points. I love my Best Buy credit card.
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5 Star Rating
I love having a best buy card. It is great to go there and get stuff for yourself, friends and family. I have had one for a few years now and I love to go there and get new games, movies, computer accessories or any other house hold electronics. It is a great place to go if you want to build your own computer. The interest rate is not too bad either and depending on how much you spend the monthly payments are very good too.
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4 Star Rating
The best buy card is excellent. The charges are low and if you spend enough, you completely avoid them, (and let's be honest, it's best buy. It's not hard to spend a fortune there). The limits are high, and the card is easy to use. Also, the best part, even if you have not so good credit, you have a good chance of still being qualified for it. This is a card I'd recommend to anyone who shop at best buy.
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5 Star Rating
I use this card for all of my major electronic purchases! I absolutely love this account, I get 1 year interest free and that makes using this card and paying it off so incredibly simple! I've always had the best experience with the customer service they provide as well both in store and with the credit team. This is an account that I will be keeping for a very long time, as they make it a very friendly and personal experience!
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4 Star Rating
Got a Best Buy card to finance a new laptop when my old one died and I was short on cash. Wasn't really something I was planning on doing but I took the plunge. I got a great offer on 0% financing and was really happy with the deal. There's no way I would have been able to afford the laptop without the card. Overall, very satisfied with Best Buy credit card. The only thing you have to watch out for is if you get any discount or deal on financing a big ticket item, make sure you understand the terms and pay off the item within the timeframe of the terms, Otherwise you are hit with back interest. Pay off your item within the timeframe though and your golden Definitely worth it.
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5 Star Rating
I've had the card for a few years now. I've only used it for large purchases (television, computer) when I can get deferred interest for an extended period. I've never had any problems with it and have always been able to pay off the purchase well before the deadline. The online payment system is simple enough. Overall, a pretty good card.
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4 Star Rating
I have had the Best Buy card for several years. Since it offers deferred interest purchases I typically use it for larger purchases such as computers and electronics. The only problem is that sometimes I find myself making unplanned purchases to take advantage of this opportunity! I also like the reward zone program but I wish the rewards were a little higher.
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5 Star Rating
I've been a Best Buy card holder for 8 years and I have had a great experience using it so far. I take advantage of a lot of their great financing offers for purchasing electronics including TVs, laptops, and other large purchase items. The online account access makes it easy to set up automatic bill pay. I will continue to use my Best Buy card to finance any large purchases I have in the future!!
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Review Best Buy® Store Card
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Offer last updated: Jun 28th, 2022 at 16:15 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
17.99% - 26.99% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 5% Cash Back
BONUS OFFER
None
MINIMUM CREDIT