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In 2017, the credit card program, issued by Citibank , typically required credit scores ranging from fair to excellent depending on which specific card version an applicant was seeking . While Best Buy does not publicly disclose exact minimum score requirements, historical data and user reports from that period indicate several distinct tiers for approval. Credit Score Tiers and Card Versions

Required Fair to Good credit (typically 640–699 ). This "closed-loop" card was only usable at Best Buy stores and BestBuy.com .

Required Good to Excellent credit (typically 700–749+ ). This "open-loop" card could be used anywhere Visa was accepted and carried no annual fee.