How to pay your Best Buy credit card bill
You can pay your Best Buy credit card bill online through your cardholder account, by phone, by mail, or in person at a Best Buy store. The fastest method is logging into your account on the Best Buy website or mobile app, where you can make a one-time payment or set up automatic payments. If you prefer not to use the website, you can call the customer service number on the back of your card to pay by phone, or mail a check to the address shown on your statement.
The card is issued by Citi, so your account lives in Citi's system, but Best Buy handles the front-end experience. This matters because it means you have both a Best Buy login and a Citi login available to you — either one will work, though Best Buy's interface is usually simpler if you just want to pay quickly.
Key Takeaways
- You can pay online through Best Buy's website or app, by phone using the number on your card, by mail, or at a Best Buy store customer service desk.
- Setting up automatic payments ensures you never miss a due date and helps protect your credit score from late payments.
- Payments made online or by phone typically post within one to three business days, so plan ahead if your due date is soon.
- Paying more than the minimum amount owed reduces the interest you pay on your balance and gets you out of debt faster.
Paying online through Best Buy's website or app
Log into your Best Buy account using your email and password. Once you are in, look for "Credit Card" or "Manage My Card" in the menu — the exact wording changes occasionally, but it is always in the main navigation. From there, you will see your current balance, due date, and a button to make a payment.
You can choose to pay the full balance, the minimum payment, or any amount in between. Enter the amount you want to pay and select your payment method — you can use a bank account (which is free and takes one to three business days) or a debit card (which posts faster but may carry a fee). Review the details and confirm. You will get a confirmation number when ready, and the payment will be recorded in your account history.
The Best Buy app works the same way. This method is free regardless of payment method, and you can see your payment history and upcoming due dates in one place.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Best Buy account, go to your credit card settings, and look for "Automatic Payments" or "Autopay." You will choose a day of the month (usually between the 1st and the 28th), an amount to pay each month, and a bank account to pull from.
Most cardholders set autopay to the full statement balance, which means the card carries no balance month to month and you pay no interest. You can also set it to the minimum payment if you prefer, though this means you will pay interest on any remaining balance. You can change or cancel autopay anytime, and you can make additional one-time payments on top of the automatic payment if you want to pay down the balance faster.
Autopay is the single most effective way to protect your credit score, because late payments are the most damaging thing on a credit report. Even one late payment can lower your score by 100 points or more.
Paying by phone
Call the number on the back of your credit card. A representative will ask for your account number (or the last four digits of your card) and will walk you through the payment process. You can pay from a checking or savings account, or use a debit card. Phone payments are free and typically post within one to three business days.
This method is useful if you have questions about your balance or need help setting up a payment plan, because you are talking to a person who can answer in real time. It is slower than online payment if you are in a hurry, so use it when you have time to wait on hold or when you need to discuss your account.
Paying by mail
Write a check or money order for the amount you owe. On the front of the check, write your account number in the memo line so the payment gets matched to your account. Mail it to the address shown on your statement — this address changes based on where payments are processed, so always use the one on your current bill, not an old one.
Mail payments take seven to ten business days to arrive and post, so send your check at least two weeks before your due date to avoid a late payment. Keep a copy of the check or take a photo of it before you mail it, so you have proof of the payment if there is ever a dispute.
Paying in person at Best Buy
You can walk into any Best Buy store and pay your bill at the customer service desk. Bring your credit card or account number and the amount you want to pay in cash or debit card. The store will process the payment and give you a receipt. This method is useful if you are already at the store and want to pay when ready, but it is slower than online payment and requires a trip.
In-store payments typically post within one to three business days, the same as online or phone payments. Ask for a receipt and keep it until the payment shows in your account.
Understanding your statement and due date
Your statement arrives once a month and shows your opening balance, all charges from the past month, any payments you made, interest charged, and your new balance. The due date is the last day you can pay without triggering a late fee. Payments must post by 5 p.m. Eastern time on the due date to count as on time.
If you pay only the minimum amount, the remaining balance carries over to next month and you are charged interest on it. The interest rate (called the APR, or annual percentage rate) varies based on your creditworthiness and current market rates, but it is typically between 18% and 28% for this card. Paying more than the minimum shrinks the balance faster and saves you money in interest.
You can see your due date and current balance anytime by logging into your account online or calling the number on your card. If you are close to your due date and worried a payment will not post in time, call customer service to confirm the payment was received.
What to do if you cannot pay on time
If you know you will miss your due date, call customer service before the due date passes. Explain your situation — a temporary hardship, a job loss, an unexpected expense. The representative may be able to work with you on a payment plan, waive a late fee, or lower your interest rate temporarily. They cannot do any of this if you wait until after the payment is late.
A single late payment can stay on your credit report for seven years and damage your credit score significantly. Calling ahead and working out a plan is always better than letting a payment slip past the due date. If you have already missed a payment, call as soon as you can to bring the account current and ask about fee waivers.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments typically post within one to three business days. If you pay from a bank account, it may take the full three days. If you use a debit card, it may post faster. Check your account online or call to confirm the payment was received if your due date is approaching.
Can I pay my Best Buy credit card bill with a credit card?
No, you cannot pay a credit card bill with another credit card. You can pay with a bank account, debit card, check, or cash. Paying with a debit card or bank account is free; paying with a credit card would be treated as a cash advance and would incur fees and interest when ready.
What happens if I pay late?
A late payment triggers a late fee (usually $25 to $35 for the first late payment) and is reported to the credit bureaus. It will lower your credit score and stay on your report for seven years. Your interest rate may also increase. Paying as soon as you realize you are late stops further damage.
Can I change my autopay amount or date?
Yes. Log into your Best Buy account, go to your autopay settings, and change the amount or date anytime. The change takes effect on your next scheduled payment. You can also pause or cancel autopay if you need to, though you will then need to make manual payments to avoid missing due dates.
Is there a fee for paying my bill?
No, there is no fee for paying online, by phone, by mail, or in person at a Best Buy store. All payment methods are free. Some debit card payments may post faster than bank account payments, but both are free.