Best Buy is a major electronics retailer that offers a store-branded credit card. While the Best Buy credit card can be used anywhere that accepts credit cards, cardholders can earn rewards on their purchases when they use their card at Best Buy.
One of the questions we often get asked is whether the Best Buy credit card is a hard inquiry.
The answer to this question is a little bit complicated. For starters, it depends on which type of Best Buy credit card you have.
There are two types of Best Buy credit cards: the My Best Buy Credit Card and the My Best Buy Visa Card.
The My Best Buy Credit Card is a store-branded credit card that can only be used at Best Buy. This card does not do a hard inquiry when you apply for it.
The My Best Buy Visa Card, on the other hand, is a Visa-branded credit card that can be used anywhere that accepts Visa. This card does do a hard inquiry when you apply for it.
So, to answer the question, it depends on which type of Best Buy credit card you have. If you have the My Best Buy Credit Card, then no, it is not a hard inquiry. If you have the My Best Buy Visa Card, then yes, it is a hard inquiry.
In conclusion, whether or not the Best Buy credit card is a hard inquiry depends on which type of card it is. The My Best Buy Credit Card does not do a hard inquiry, while the My Best Buy Visa Card does.
