There are two methods for applying for a Best Buy credit card. You can apply for the card online as well as in-store. We will be discussing both methods one by one,
How to apply for a Best Buy credit card online?
Step 1- Ensure the minimum requirements
Following are the important things one should ensure before register for a Best Buy credit card,
To be eligible for a Best Buy credit card, one must be at least 18 years old in the United States before applying. For Puerto Rico, the age limit is at least 21 years. You also need a government-issued photo ID like a driver’s license or passport, as well as your social security number. To view and print out a copy of the Best Buy terms and conditions, disclosures, and privacy notice, you must also have a browser with at least 128-bit secure encryption enabled and a printer or storage drive. You can request a physical copy of the disclosures and privacy policy if you don’t have access to a printer or storage device by writing to the Credit Program, P. O. Box 790441, St. Louis, MO 63179-0441.
Step 2- Create a Best Buy account
This is the most important step before beginning the application process for a credit card. Visit BestBuy.com and register for a Best Buy credit card account. Next, you need to fill in some personal details to ensure your eligibility which include:
First Name Last NameE-mail AddressPasswordConfirm Password(re-enter the password chosen before)Phone NumberMy Best Buy Member ID
If you already have a BestBuy.com account, you can sign in by visiting the online store.
Step 3- Complete the account
After creating the account, you will be redirected to the application process through Citigroup Inc. You can even go to BestBuy.com, click the “credit cards” link at the top of the website, and choose “apply now” to access the application.
In this form, you need to fill in personal, security, and financial information including,
Email addressFull nameHome address (no P. O. Boxes permitted)Phone numberAnnual incomeMonthly Mortgage or Rent PaymentsDate of BirthSocial Security NumberDriver’s license or government-issued photo ID numberThe expiration date of your photo ID
Step 4- Select the type of card
You will either receive approval or denial after submitting your application. If your application is accepted, you will be given the option of either the My Best Buy Visa card or the My Best Buy credit card. The in-store rewards and promotional financing options offered by both cards are the same. The only difference is that additional benefits on regular purchases made outside of Best Buy are available with the Best Buy Visa Card.
Step 5- Interest rates and fees
You must accept the Best Buy interest rates, charges, and fees once you’ve submitted your application in its entirety and decided which card you want to use. Depending on the current market rate, the Annual Percentage Rate (APR) on purchases may fluctuate slightly, but it will often be close to 25.49%. Interest fees start at $2 but could be significantly more.
If a payment is past late, interest is charged. Payments are expected at least 25 days following the conclusion of each billing month. Up to $37 in late penalties and fines for returned payments are possible. Your card will be mailed to you once your application is approved. After your application is successfully approved, it should come in 7 to 14 days.
How to apply for a Best Buy credit card in-store?
Step 1- Visit a Best Buy store near you
You can look out for the nearest place online if you wish to apply in person. In case of any confusion regarding the application process, a customer service representative will be there to help you out.
Step 2- Fill out Best Buy Credit Card application form
For both the online and in-store application processes, the same information will be required.
Step 3- Select the type of card
Just like the online application, there will be a My Best Buy credit card and a Best Buy visa card offering the same in-store benefits. If your application approval is successful, you will receive the card through mail within 7- 14 days.
Due to the need to verify your identity and merge your application form with your online credit history, the in-person registration may take a little longer. Otherwise, both applications will be identical. Whether to apply in person or online largely depends on choice.
Which is the fastest way of getting a Best Buy credit card?
The approval process for the paper application may take longer than for the online application, although both follow the same pattern. Applications submitted online are quickly approved or rejected.
How to locate the nearest Best Buy store for in-store application?
For locating a store nearby, visit the Best Buy website. Under the Store Locator option, enter your ZIP code or city and state.
