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To qualify for a Best Buy credit card, you generally need a credit score in the , though the specific requirement depends on which version of the card you are applying for.

: Often offered to those with "middling" credit or shorter credit histories. Unlike the other versions, this one typically carries an annual fee ($59) to offset the lender's risk. Best Buy Credit Card Credit Score Requirement - WalletHub best buy credit card what credit score is needed

The card issuer, , evaluates your application for the higher-tier Visa card first before considering you for the store-only version. Credit Score Requirements by Card Type To qualify for a Best Buy credit card,

: Typically requires a 640+ (Fair) credit score. This "closed-loop" card is only usable at Best Buy stores and BestBuy.com . Best Buy Credit Card Credit Score Requirement -

: Generally requires a 700+ (Good) credit score. This card can be used anywhere Visa is accepted and offers rewards on non-Best Buy purchases like gas and groceries.

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President Donald Trump, flanked by Secretary of Energy Chris Wright and Secretary of the Interior Doug Burgum, signs an Executive Order approving the Ambler Road Project in Alaska, Monday, October 6, 2025, in the Oval Office.

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