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Regular Contributor
Amleigh
Posts: 141
Registered: ‎11-16-2007
0

Best Buy Reward Zone Mastercard

I used the pre approval link for the Best Buy Reward Zone Mastercard, and I was prequalified for the Gold Card with no annual fee (The no annual fee part really surprised me since I always have to pay an annual fee! I tried this link about a month ago and was only offered the secured card, so I'm very excited. I'm in the process of rebuilding my credit, especially my Experian report, which is the one they pulled). Is this a good card to apply for? I currently have a Credit One Bank Credit Card, Fingerhut, Kays, and Jared, all which have low debt to limit ratios. Should I apply for this card? Also, my TransUnion Report is a 620, and a lot of my prior creditors did not report to TU, so I don't have many tradelines reporting on TU. Can anyone recommend a card that pulls Transunion? Thanks in advance.
 
Starting Score: 467 EQ 514 TU 583 EX
Current Score: 531 EQ 567 TU 601 EX
Goal Score: EQ 742 TU 742 EX 742


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Epic Contributor
Creditaddict
Posts: 22,097
Registered: ‎10-23-2007
0

Re: Best Buy Reward Zone Mastercard

I would say yes if all you have is a Credit One Card for Visa/Mastercard
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Regular Contributor
Cyan007
Posts: 237
Registered: ‎08-02-2009
0

Re: Best Buy Reward Zone Mastercard

I currently have both a Capital One card and a PNC rewards card which I have no use for.  My RZMC is my primary card of choice.  On avereage I spend anywhere from $800 - $1500 / month on this card which earns me a decent chunk of cash to use at Best Buy. 

 

250 points = $5

 

1 point = $1.00 at BB.

.5 point = $1.00 anywhere.

 

When you spend $2500 in a calendar year (on anything), you'll become a Premier Silver member which earns you a 50% bonus in points for items purchased at best buy... so...

 

It's not a bad gig when you can get $20+ each month to use at the store.  Buying video games earns even more, for every $150 you spend, you get $10 back. :smileyhappy:


EQ (11/16/2007): 573

Starting Score (1/1/2010): EQ: 712 -- TU: 726
Current Score: EQ: 748 (12/22/11) -- TU: 726 (1/7/10) -- TU04: 701 (1/27/10) -- EX: 747 (1/27/10) (LO)
Goal Score: EQ: 760


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Frequent Contributor
JMN
Posts: 321
Registered: ‎10-25-2009
0

Re: Best Buy Reward Zone Mastercard

[ Edited ]

Cyan007 wrote:

I currently have both a Capital One card and a PNC rewards card which I have no use for.  My RZMC is my primary card of choice.  On avereage I spend anywhere from $800 - $1500 / month on this card which earns me a decent chunk of cash to use at Best Buy. 

 

250 points = $5

 

1 point = $1.00 at BB.

.5 point = $1.00 anywhere.

 

When you spend $2500 in a calendar year (on anything), you'll become a Premier Silver member which earns you a 50% bonus in points for items purchased at best buy... so...

 

It's not a bad gig when you can get $20+ each month to use at the store.  Buying video games earns even more, for every $150 you spend, you get $10 back. :smileyhappy:


2 points for every dollar purchased at Best Buy, actually, when using the Best Buy RewardZone MasterCard.

 

Message Edited by JMN on 03-01-2010 07:30 PM
Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.
New Contributor
egold1234
Posts: 50
Registered: ‎07-10-2007
0

Re: Best Buy Reward Zone Mastercard

Can you share that pre-approval link?

 

Thanks!

Regular Contributor
Amleigh
Posts: 141
Registered: ‎11-16-2007
0

Re: Best Buy Reward Zone Mastercard

https://www.hsbcapply.com/start/rewardzonemastercard?media=B5IM29H20061100001EM

 

Here ya go!

 
Starting Score: 467 EQ 514 TU 583 EX
Current Score: 531 EQ 567 TU 601 EX
Goal Score: EQ 742 TU 742 EX 742


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Regular Contributor
Amleigh
Posts: 141
Registered: ‎11-16-2007
0

Re: Best Buy Reward Zone Mastercard

What type of limit did they start you off with, if you don't mind my asking. I don't wanna apply and only get like a $300 limit. My others are around $1000.
 
Starting Score: 467 EQ 514 TU 583 EX
Current Score: 531 EQ 567 TU 601 EX
Goal Score: EQ 742 TU 742 EX 742


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Valued Member
hdsbmt
Posts: 47
Registered: ‎02-16-2010
0

Re: Best Buy Reward Zone Mastercard

Is this a soft pull?
Frequent Contributor
jaystay
Posts: 368
Registered: ‎09-14-2009
0

Re: Best Buy Reward Zone Mastercard

The pre-approve is a softpull. I was pre-approved last week for a gold card and then was denied once I applied due to "insufficient credit references". Also, I believe they hard pull EQ now.

EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000


Valued Member
Mace
Posts: 35
Registered: ‎03-01-2010
0

Re: Best Buy Reward Zone Mastercard

I did the pre-qual yesterday and was pre-qualified for the BB mastercard. I applied and was declined. The reason stated "Insufficient credit references".

They pulled TU. I have no credit cards whatsoever. I do have one revolving account that shows as closed as of 2005. My TU FAKO is 704. I tried to pull actual FICO's from this site but couldn't. You might want to apply in the store. I've heard you get better results this way.

2007 - All Scores low 500's
06 DEC 2010 - EQ 696: TU (FAKO) 720: EX (FAKO) 730 (650 pulled by GMAC)
3/10 BBRZMC $100, 9/12 $700; 9/10 USAA Plat. MC $3000; 12/10 Barclaycard (iTunes) Visa $2500 now $4200; 12/10 Citi Forward Visa $5000, 6/11 $6200; 12/10 AMEX Zync; 4/11 BofA CR Sig Visa $5000; 9/12 AMEX Hilton HHonors Surpass $1000; 9/12 Discover IT $1000

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