topic Re: Best Buy Credit Card Offer in Credit Card Applications

Best Buy Credit Card Offer

Jordan23ww — Thu, 25 Aug 2022 19:03:21 GMT

Saw this special offer on the Best Buy site. New card applications for a limited time get 15% back in Best Buy Rewards for their first purchase the day of application! Offer ends 9/5/22

Re: Best Buy Credit Card Offer

bobnathan0295 — Wed, 24 Aug 2022 22:29:42 GMT

who is the bank here ?

what are the credit score requirements ?

Re: Best Buy Credit Card Offer

SDMarik — Wed, 24 Aug 2022 23:19:21 GMT

@bobnathan0295 wrote:
who is the bank here ?

what are the credit score requirements ?

It says Citi right on the card.

As far as the credit score requirements, there isn't going to be a hard answer to that. It is going to depend on the situation of each applicant, as more than just a score goes into determining whether or not an issuer approved someone for a trade line.

Re: Best Buy Credit Card Offer

SDMarik — Wed, 24 Aug 2022 22:57:01 GMT

@Jordan23ww wrote:
Saw this special offer on the Best Buy site. New card applications for a limited time get 15% back in Best Buy Rewards for their first purchase the day of application! Offer ends 9/5/22

It looks like it reads as the 15% is on the first day of purchases, not the first purchase of the day. Way better!

Re: Best Buy Credit Card Offer

805orbust — Wed, 24 Aug 2022 23:17:32 GMT

I was at 680 or so when I was approved for this card. That was 5 years ago so... ymmv. It has gone from $2k to $7k in that time.

Re: Best Buy Credit Card Offer

OmarGB9 — Thu, 25 Aug 2022 13:00:22 GMT

Man I wish I could get a Citi card, but Citi won't touch me with a 10-ft pole since I burned them with a CO in 2018. 😮‍💨

Re: Best Buy Credit Card Offer

Pway — Thu, 25 Aug 2022 17:33:38 GMT

@OmarGB9 wrote:
Man I wish I could get a Citi card, but Citi won't touch me with a 10-ft pole since I burned them with a CO in 2018. 😮‍💨

You are not alone. I have burned CITI in my current Bk.

Re: Best Buy Credit Card Offer

Jordan23ww — Thu, 25 Aug 2022 19:04:34 GMT

Re: Best Buy Credit Card Offer

Jordan23ww — Thu, 25 Aug 2022 19:04:02 GMT

@bobnathan0295 wrote:
who is the bank here ?

what are the credit score requirements ?

@bobnathan0295

Citibank is the bank. I'm guessing on score requirements, I think 650 and higher you should have a great shot at approval. You possibly can get approved with a lower score though.

Re: Best Buy Credit Card Offer

Jordan23ww — Thu, 25 Aug 2022 19:11:33 GMT

@SDMarik wrote:
@Jordan23ww wrote:
Saw this special offer on the Best Buy site. New card applications for a limited time get 15% back in Best Buy Rewards for their first purchase the day of application! Offer ends 9/5/22

It looks like it reads as the 15% is on the first day of purchases, not the first purchase of the day. Way better!

@SDMarik It does read that way. To be safe I'd try to get all the wanted items all at once at the time of approval. This wording is different than what I'm used to seeing before this special offer. It used to say, "Get 10% back on your first purchase".

Re: Best Buy Credit Card Offer

Jordan23ww — Thu, 25 Aug 2022 19:13:10 GMT

@805orbust wrote:
I was at 680 or so when I was approved for this card. That was 5 years ago so... ymmv. It has gone from $2k to $7k in that time.

@805orbust Thank you for chiming in with this info! @bobnathan0295 here's another reply to your question.

Re: Best Buy Credit Card Offer

Brian_Earl_Spilner — Thu, 25 Aug 2022 19:26:25 GMT

@OmarGB9 wrote:
Man I wish I could get a Citi card, but Citi won't touch me with a 10-ft pole since I burned them with a CO in 2018. 😮‍💨

You're not missing much. Probably the worst prime lender in my opinion.

Re: Best Buy Credit Card Offer

bobnathan0295 — Thu, 25 Aug 2022 19:50:01 GMT

I had a chargeoff with Citi. I paid the chargeoff. It has been more than 18 months ago. It still looks like I am on the bad books of Citi

Re: Best Buy Credit Card Offer

bobnathan0295 — Thu, 25 Aug 2022 19:51:32 GMT

I have a score of 710+. But I do have a chargeoff with Citi which I paid off 18 months ago

Re: Best Buy Credit Card Offer

OmarGB9 — Thu, 25 Aug 2022 20:56:38 GMT

@Brian_Earl_Spilner wrote:
@OmarGB9 wrote:
Man I wish I could get a Citi card, but Citi won't touch me with a 10-ft pole since I burned them with a CO in 2018. 😮‍💨
You're not missing much. Probably the worst prime lender in my opinion.

Perhaps, but I love Best Buy, so if I could get the BB card, I'd be very thrilled. Those 0% deferred interest offers also come in handy.

Re: Best Buy Credit Card Offer

805orbust — Thu, 25 Aug 2022 21:09:31 GMT

I definitely agree with @Brian_Earl_Spilner on the sentiment about Citi but @OmarGB9 basically summed up my thoughts. That Best Buy Visa really comes in handy when I wanna purchase my electronics locally... They'll have to pry it from my cold, dead hands!!!

Re: Best Buy Credit Card Offer

CreditCuriosity — Thu, 25 Aug 2022 22:06:32 GMT

Citi is worse prime lender or best buy credit card issued by citi? Would disagree with both of those sentiments, but why we all have choices if you haven't burnt citi that is. Citi Custom Cash is an amazing CC 5% off in your top cat granted it is capped at $25 a month, but for groceries or gas or what other category it is an awesome CC. Best buy is a very good CC as well as long as you aren't carrying a balance or use their promo financing. About to buy a Sony 75 x95j tv excellent open box for 1350$ when normally 2100. How I ran across this thread likely will grab card and use for the 15% back and also pick up the sonos arc/sub at same time to get 15% back on all that. Also which i would of had card back when GPU's were going for crazy money whether it was for me and my crypto mining or reselling when I found a deal on a gpu I didn't want back and resell last year it would of been an excellent card to have. I can think of many other use cases as well for this card and other citi cards which I have. Have premier and just got 800$ back for spending 4k, can't laugh at that either.

I dislike WF just for reason I can't get approved for them for the sole reason of having to much credit. Does that make them bad? I learned some lenders just don't work for some people and accept WF doesnt like my total high credit line just like some CU's and move on.

Re: Best Buy Credit Card Offer

wingennis — Thu, 25 Aug 2022 23:02:57 GMT

@CreditCuriosity wrote:
Citi is worse prime lender or best buy credit card issued by citi? Would disagree with both of those sentiments, but why we all have choices if you haven't burnt citi that is. Citi Custom Cash is an amazing CC 5% off in your top cat granted it is capped at $25 a month, but for groceries or gas or what other category it is an awesome CC. Best buy is a very good CC as well as long as you aren't carrying a balance or use their promo financing. About to buy a Sony 75 x95j tv excellent open box for 1350$ when normally 2100. How I ran across this thread likely will grab card and use for the 15% back and also pick up the sonos arc/sub at same time to get 15% back on all that. Also which i would of had card back when GPU's were going for crazy money whether it was for me and my crypto mining or reselling when I found a deal on a gpu I didn't want back and resell last year it would of been an excellent card to have. I can think of many other use cases as well for this card and other citi cards which I have. Have premier and just got 800$ back for spending 4k, can't laugh at that either.

I dislike WF just for reason I can't get approved for them for the sole reason of having to much credit. Does that make them bad? I learned some lenders just don't work for some people and accept WF doesnt like my total high credit line just like some CU's and move on.

I also love their website, how easy it is to use, and how much information they provide up front without making you dig. Everything is fast and convenient.