Where to send your Best Buy credit card payment
Your Best Buy credit card is issued by Citi, so payments go to Citi, not to Best Buy itself. You have four main ways to pay: online through your Citi account, by phone, by mail, or in person at a Best Buy store. The fastest and most common route is logging into your Citi account online or through the Citi mobile app, where you can see your balance and make a payment in minutes.
If you prefer to call, Citi's customer service number is on the back of your card. A representative can take your payment over the phone using a bank account or debit card. Payments made online or by phone typically post within one business day.
Mailing a check takes longer — usually five to seven business days from the time Citi receives it. The mailing address is on your monthly statement. Paying in person at Best Buy is also an option, though not all locations have a payment kiosk, so call ahead to confirm.
Key Takeaways
- Your Best Buy credit card is issued by Citi, so you pay Citi directly, not Best Buy.
- Online payment through your Citi account or the Citi app is the fastest method and usually posts within one business day.
- You can also pay by phone using the number on your card, by mailing a check to the address on your statement, or at a Best Buy store if it has a payment kiosk.
- Your payment due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
- Setting up automatic payments through your Citi account prevents missed payments and late fees.
Logging in to your Citi account to pay online
Go to citi.com and click "Sign In" in the upper right. Enter your username and password. If you do not have an online account yet, you will need to register first — you can do this on the same page by clicking "Enroll Now" and following the prompts. You will need your card number and Social Security number to set up an account.
Once you are logged in, look for "Payments" or "Make a Payment" in the menu. Select your Best Buy card from the list of accounts if you have more than one. Enter the amount you want to pay and choose the date you want it to post. Citi will show you the available payment dates based on when you are paying. Review the details and confirm.
You can pay from a checking or savings account linked to your Citi account, or use a debit card. If this is your first payment, you may need to add your bank account or debit card information before you can complete the transaction.
Using the Citi mobile app to pay on your phone
read the Citi mobile app from the Apple App Store or Google Play Store. Sign in with the same username and password you use on the website. Tap the Best Buy card to view your balance and recent transactions.
Look for a "Pay" or "Make a Payment" button, usually near the top of the screen. Enter the amount and select your payment date. Choose your payment method — bank account or debit card — and confirm. Payments made through the app post on the same timeline as online payments, usually within one business day.
The app also lets you set up automatic payments, which is useful if you want your minimum payment or a fixed amount to come out on the same day each month.
Paying by phone or mail
To pay by phone, call the number on the back of your Best Buy credit card. A Citi representative will ask for the amount you want to pay and your payment method — either a bank account or debit card. Have your routing number and account number ready if you are paying from a bank account. The representative will confirm the payment date and give you a confirmation number.
To pay by mail, write a check to Citi and include your account number or card number on the check. Mail it to the address shown on your monthly statement under "Payment Address" or "Make Checks Payable To." Do not send cash. Allow five to seven business days for the payment to arrive and post to your account. If you are close to your due date, paying by mail is risky — consider paying online or by phone instead.
Setting up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting your due date. Log into your Citi account online or through the app and look for "Automatic Payments" or "Autopay" in the settings or payments section. Choose whether you want to pay your full statement balance, a fixed amount, or just the minimum payment each month.
Select the date you want the payment to come out — ideally a few days after you get paid so the money is in your account. Citi will deduct the payment automatically on that date each month. You can change or cancel automatic payments anytime through your account.
Automatic payments are especially useful if you have a tight budget or a history of missed payments. Even if you set up autopay for the minimum, you can still make extra payments online or by phone whenever you have extra money to pay down the balance faster.
Understanding your statement and due date
Your monthly statement shows your opening balance, all purchases and fees from that month, your closing balance, your minimum payment due, and your due date. The due date is usually 21 to 25 days after your statement closes. Paying by the due date keeps your account in good standing and avoids a late fee.
If you pay less than the full balance, interest charges will explore to the remaining balance at your card's annual percentage rate (APR). The statement shows your current APR, which varies based on your creditworthiness and current market rates. Paying the full balance each month avoids interest entirely.
Your statement also lists any rewards you earned that month if you have a rewards version of the Best Buy card. These points or cash back can be redeemed for Best Buy purchases or other rewards depending on your card type.
What to do if you miss a payment
If you miss your due date, Citi will charge a late fee — the amount depends on your card terms but is typically $25 to $40 for the first late payment. Your APR may also increase if you are more than 30 days late. The missed payment will show on your credit report and can lower your credit score.
If you realize you have missed a payment, log into your account or call Citi when ready and pay as soon as possible. The sooner you pay, the less damage to your credit. If this is your first late payment, you can ask Citi to waive the late fee — they sometimes do if you have a good payment history otherwise. Ask politely and explain what happened.
To avoid this situation, set up automatic payments for at least the minimum amount, or set a phone reminder for a few days before your due date.
Frequently Asked Questions
Can I pay my Best Buy credit card at a Best Buy store?
Some Best Buy locations have payment kiosks where you can pay in person, but not all stores offer this service. Call your local Best Buy before you go, or ask a cashier when you are in the store. If your store does not have a kiosk, paying online or by phone is faster anyway.
How long does it take for a payment to show up on my account?
Online and phone payments usually post within one business day. Mailed checks take five to seven business days from the time Citi receives them. If you are paying close to your due date, do not use mail — use online or phone payment instead.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account and will be applied to your next month's balance. You can also request that Citi refund the overpayment to your bank account, though this may take a few business days.
Can I set up automatic payments for different amounts each month?
No, automatic payments are for a fixed amount or a percentage of your balance each month. If you want to pay different amounts, you can make manual payments online or by phone whenever you choose, or set up autopay for the minimum and make extra payments when you can.
Is there a fee to pay my credit card bill?
No, Citi does not charge a fee for paying your Best Buy credit card online, by phone, or by mail. Paying in person at Best Buy may have a small fee depending on the store, so ask before you pay.