Best Buy offers three main ways to pay your credit card bill: online through their website, by phone, or by mail
The fastest and most common method is paying online at bestbuy.com. Log into your Best Buy credit card account, select "Make a Payment," enter the amount you want to pay, and choose your payment method — debit card, bank account, or another credit card. The payment posts within one business day in most cases.
If you prefer to pay by phone, call the number on the back of your Best Buy credit card. A representative will walk you through the payment over the phone and can answer questions about your balance or due date. Phone payments also typically post within one business day.
Mailing a check is slower but still an option. Write your account number on the check, include the payment stub from your statement if you have it, and mail it to the address listed on your bill. Mail payments take 7 to 10 business days to reach Best Buy and post to your account.
Key Takeaways
- Online payments at bestbuy.com are the fastest method and post within one business day.
- Phone payments let you speak with a representative and confirm your payment immediately over the call.
- Mail payments take 7 to 10 business days, so send them early if your due date is approaching.
- Best Buy credit cards are issued by Citi, so you may also be able to pay through Citi's website if you set up an account there.
- Paying at least your minimum payment by the due date protects your credit score and avoids late fees.
Paying online through Best Buy's website
Go to bestbuy.com and sign into your credit card account using your username and password. If you do not have an online account yet, you can create one by providing your card number, Social Security number, and date of birth.
Once logged in, look for a "Make a Payment" or "Pay Your Bill" option in the account menu. Enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount in between. Select your payment method: debit card, bank account via ACH transfer, or another credit card.
Review the payment details and confirm. Best Buy will show you a confirmation number immediately. The payment typically posts to your account within one business day, though it may take longer if you pay late in the evening or on a weekend.
Paying by phone with a Best Buy representative
Call the customer service number printed on the back of your Best Buy credit card. Have your card and a payment method ready — you will need either a debit card, bank account information, or another credit card to complete the payment.
The representative will verify your identity, confirm your current balance and due date, and ask how much you want to pay. They will process the payment over the phone and provide you with a confirmation number before you hang up. This method is useful if you have questions about your account or need help deciding how much to pay.
Phone payments post within one business day, the same as online payments. If you call after business hours, you may reach an automated system that can process payments without a representative, though some people prefer speaking to someone.
Paying by mail
Write a check for the amount you want to pay and include your account number on the check itself. If your statement came with a payment stub or coupon, include that as well — it helps Best Buy match the payment to your account faster.
Mail the check to the address listed on your statement under "Payment Address" or "Mail Payment To." Do not mail it to the store address or corporate headquarters; use only the address on your bill. Mail payments take 7 to 10 business days to arrive and post, so send your payment at least two weeks before your due date if you want to avoid a late fee.
Keep a record of when you mailed the check. If your payment does not post within 10 business days, contact Best Buy to confirm they received it.
Understanding your due date and minimum payment
Your due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. Paying by the due date keeps your account in good standing and protects your credit score. If you pay after the due date, Best Buy will charge a late fee — typically $25 to $35 depending on your account history.
Your minimum payment is the smallest amount you must pay to avoid a late fee. It is usually 1 to 3 percent of your balance plus any interest and fees. Paying only the minimum means you will carry a balance and pay interest, which increases the total cost of anything you bought with the card.
If you are struggling to pay your bill, contact Best Buy before your due date. They may be able to work out a payment plan or discuss your options.
Setting up automatic payments
Best Buy allows you to set up automatic payments so you do not have to remember to pay each month. Log into your online account, go to the payment settings, and choose "Automatic Payment" or "Autopay." Select the amount — full balance, minimum payment, or a fixed amount — and the day of the month you want the payment to come out.
Automatic payments are deducted from your bank account or debit card on the date you choose. This method helps you avoid late fees and keeps your account current without extra effort. You can change or cancel automatic payments anytime through your online account.
If your balance varies month to month, setting autopay to your minimum payment ensures you never miss a due date, even if you cannot pay the full balance.
What to do if you cannot pay on time
If you know you will miss your due date, contact Best Buy as soon as possible. Call the number on the back of your card and explain your situation. Some representatives can defer a payment, extend your due date by a few days, or discuss a payment arrangement.
Late fees and interest charges add up quickly, so it is better to call and ask for options than to ignore the bill. A late payment will also appear on your credit report and lower your credit score, which affects your ability to borrow money in the future.
If you are facing a longer-term financial hardship, ask about hardship programs or whether Best Buy offers any relief options during difficult times.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments typically post within one business day. If you pay in the evening or on a weekend, it may take until the next business day or the day after. Best Buy will give you a confirmation number immediately, even if the payment has not posted yet.
Can I pay my Best Buy credit card through the Citi website?
Yes. Best Buy credit cards are issued by Citi, so you can log into your Citi account and make a payment there as well. Some people find it convenient to manage all their Citi cards in one place. The payment will still post to your Best Buy account.
What happens if I pay after my due date?
Best Buy will charge a late fee, usually $25 to $35. The late payment will also be reported to credit bureaus and appear on your credit report for seven years, which lowers your credit score and makes it harder to borrow money in the future.
Can I pay my Best Buy credit card at a store?
No. Best Buy does not accept credit card payments in stores. You must pay online, by phone, or by mail. Some stores may have a customer service desk, but they cannot process credit card payments there.
Is there a fee for paying online or by phone?
No. Best Buy does not charge a fee for online or phone payments. Paying by mail is also free, though it takes longer. The only fees are late fees if you miss your due date.