How to Apply for a Best Buy Credit Card

How to Apply for a Best Buy Credit Card

You can save money by using a Best Buy credit card to get discounts. The company provides a store credit card (which can only be used for in-store or online purchases at Best Buy) as well as a Best Buy Visa card. Both cards are available for application online or in person. Both Best Buy cards will earn you 5% back on all Best Buy purchases, but the Visa card will also earn you 2% back on food and grocery purchases, as well as 1% back on other everyday purchases.

Method 1 Applying for a Credit Card Online

1. Meet the minimum requirements. Before applying for a Best Buy credit card, you should be aware that you must be at least 18 years old in the United States (at least 21 years of age in Puerto Rico). A Social Security Number and a driver’s licence or government-issued photo ID are also required.

To view and keep a copy of the Best Buy terms and conditions, disclosures, and privacy notice, you must also have at least a 128-bit security encrypted enabled browser and a printer or storage drive. If you do not have a printer or storage device, you may request a hard copy of the disclosures and privacy policy by writing to Credit Program, P.O. Box 6403 Sioux Falls, SD 57117-6403.

Please keep in mind that meeting these minimum requirements does not guarantee that your application will be accepted. It simply means that you are now able to proceed with the application process.

2. Create an account with The first step in applying for a store credit card is to create a Best Buy account at If you already have a account, you can sign in via the store’s website. If you’re creating an account for the first time, you’ll need to include personal information to create the account and determine your eligibility, such as:

  • first and last name
  • email address
  • phone number
  • the password of your choosing
  • My Best Buy member ID (if you already have one)

3. Fill out the application. You can access the application after you’ve created an account on the Best Buy website. You will be redirected to the form by Citigroup Inc., or you can go to, click the “credit cards” tab at the top of the page, and then select “apply now.”  The form will request personal, financial, and security information from you, such as:

  • your email address
  • your full name
  • your home address (no P.O. boxes permitted)
  • your phone number
  • your annual income
  • your monthly mortgage or rent payments
  • your date of birth
  • your social security number
  • your driver’s license or government-issued photo ID number
  • the expiration date of your photo ID

4. Choose your card type. After submitting your application, you will either be approved or denied. If you are approved, you will be asked to choose between the My Best Buy credit card (store card) and the My Best Buy Visa card.

Both cards provide the same in-store rewards and promotional financing. The Best Buy Visa Card provides additional rewards on purchases made outside of Best Buy.

5. Concur on interest rates and fees. After you’ve completed your application and selected your preferred card, you must agree to the Best Buy interest rates, charges, and fees. The Annual Percentage Rate (APR) on purchases will vary slightly depending on the current market rate, but will be around 25.49 percent on average. Interest charges start at $2 and can go up to much higher amounts.

When payments are late, interest is charged. Payments are due at least 25 days after the end of each billing cycle.

Late fees and returned payment fees can total up to $37.

6. Wait for your new card. If your application is approved, your card will be mailed to you. It should arrive within 7 to 14 days of the approval of your application.

Online approval is relatively quick. You should know whether or not you’ve been approved within a minute.

Method 2 Getting a Credit Card In-Store

1. Locate a Best Buy near you. If you want to apply in-store but don’t know where to go, you can look it up online. Simply go to the Best Buy website and move your mouse to the upper right-hand corner of the screen. To find locations near you, go to the Store Locator tab and enter your ZIP code or city and state.

2. Complete an application. The information requested by the in-store application will be the same as that requested by the online application. For the store to determine whether you qualify for a credit card, you must provide your name and address, contact information, and basic financial information.

The in-store application may take a little longer because the store must cross-reference your paper application with online credit reports and confirm your identity. Otherwise, the two applications will be nearly identical. It’s mostly a matter of preference whether to apply online or in person.

3. Choose your card type. You will be asked to select the type of card you want as part of the application process. Both the My Best Buy credit card (store card) and the Best Buy Visa card offer the same in-store rewards as the online application.

4. Get your new card. If you are approved for a Best Buy credit card, it will be mailed to you. A card offered after an in-store application, like the online application process, will most likely arrive within seven to 14 days of the application’s approval.

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