Q&A: What credit score do you need for a Best Buy® credit card?

Answer: Best Buy offers a couple of credit card options, and the credit score requirements can vary based on which one you’re applying for. Generally speaking, for the Best Buy® Store Card, which you can only use at Best Buy, you might get approved with a fair credit score, typically in the mid-600s or higher. However, for the Best Buy® Visa Card, which you can use anywhere Visa is accepted, the requirements are usually a bit stricter. You’d likely need a good to excellent credit score, often in the 700s or above.

That said, credit score isn’t the only factor they consider. Your overall financial health, income, employment status, and how you’ve managed credit in the past also play a role. So, even if your score is in the target range, approval isn’t guaranteed. Conversely, if your score is a bit below the typical range but the rest of your financial profile is strong, you might still have a shot.

If you’re thinking about applying, it’s always a good idea to check your credit report first. Make sure everything’s accurate and consider ways to boost your score if needed. And remember, every credit card application can result in a hard inquiry on your credit report, which might temporarily lower your score.