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 can pay online through your Citi account, by phone, by mail, or in person at a Best Buy store. The fastest route is logging into your Citi account at citi.com or using the Citi mobile app — payments posted this way usually show up within one business day.
If you prefer to call, the customer service number is on the back of your card. Citi also accepts payments by mail to the address printed on your monthly statement. In-store payments at Best Buy locations are available but less common; ask at the customer service desk if you want to pay that way.
Key Takeaways
- Payments go to Citi (the card issuer), not Best Buy, and the fastest method is paying online through your Citi account.
- Your payment due date appears on your monthly statement, and paying by that date avoids late fees and interest charges.
- You can set up automatic payments through Citi so the minimum payment or a fixed amount withdraws from your bank account each month.
- Paying more than the minimum reduces the total interest you pay over time, especially on larger balances.
Online payment through your Citi account
Log in to citi.com with your username and password, or read the Citi mobile app and sign in there. Once logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies depending on whether you are on desktop or mobile. Select your Best Buy card from the list of accounts if you have multiple Citi cards.
Enter the amount you want to pay and choose the date you want it to post. Citi lets you pay when ready or schedule a payment for a future date. If you pay by 8 p.m. Eastern Time on a business day, the payment usually posts the next business day. Payments made after 8 p.m. or on weekends post the following business day.
You will need a bank account to link for the payment. Citi accepts transfers from checking or savings accounts at most U.S. banks. Have your routing number and account number ready, or let Citi verify your bank account by depositing two small amounts (which you then confirm in your Citi account).
Automatic payments and recurring billing
Setting up automatic payments means you never have to remember your due date. In your Citi account, go to "Manage Autopay" or "Automatic Payments" and choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month. You pick the date the payment should post — many people choose the day after they get paid.
Automatic payments withdraw from your linked bank account on the schedule you set. If your balance or due date changes, the automatic payment still goes through on the date you chose, so make sure the amount you set covers what you owe. You can pause or cancel automatic payments anytime through your Citi account.
Automatic payments are useful for avoiding late fees, but they do not reduce interest if you carry a balance. If you pay only the minimum each month, you will pay interest on the remaining balance. Paying more than the minimum — or paying the full balance — stops interest from building up.
Payment by phone or mail
To pay by phone, call the number on the back of your Best Buy card. A Citi representative will ask for your account number and the amount you want to pay, then confirm your bank account information. Phone payments usually post within one to two business days. Citi does not charge a fee for phone payments.
To pay by mail, write a check or money order and send it to the address on your monthly statement. Include your account number on the check so Citi can match the payment to your account. Mail payments take longer — typically five to seven business days to post — so send your payment at least a week before your due date to avoid a late fee.
Do not send cash by mail. If you lose your statement and do not know the mailing address, log into your Citi account or call the number on your card to ask for it.
Understanding your due date and payment terms
Your due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. If you pay by the due date, you will not be charged a late fee. If you pay after the due date, Citi charges a late fee (the amount varies but is typically $25 to $40 for the first late payment).
Your statement also shows a minimum payment — the smallest amount Citi requires you to pay to stay current on your account. Paying only the minimum keeps you from being late, but it does not stop interest from building. If your balance is $1,000 and your minimum payment is $25, paying only $25 means you still owe $975 plus interest the next month.
The Best Buy card charges interest on purchases if you carry a balance past your due date. The interest rate (called the APR, or annual percentage rate) depends on your credit score and current Citi rates. You can see your APR in your Citi account or on your statement. Paying the full balance by the due date avoids interest entirely.
What to do if you miss a payment
If you miss your due date, contact Citi as soon as you realize it. Call the number on your card or log into your account. A late payment shows up on your credit report and can lower your credit score, but the damage is smaller if you pay within 30 days of the due date. After 30 days, the impact on your credit score increases.
Citi may waive a late fee if this is your first late payment and you have a good payment history. Call and ask — the worst they can say is no. If you are having trouble making payments, ask Citi about hardship programs or payment plans. They may be able to lower your interest rate or adjust your payment schedule temporarily.
Paying off your balance faster
If you carry a balance on your Best Buy card, paying more than the minimum each month reduces how much interest you pay overall. For example, a $2,000 balance at 20% APR costs about $200 in interest if you pay it off over one year, but only about $50 if you pay it off over six months.
One strategy is to pay a fixed amount each month — say, $200 instead of the $50 minimum. Another is to pay the full statement balance every month if you can. A third is to make multiple payments throughout the month instead of one payment at the due date, which reduces the average balance Citi charges interest on.
You can make extra payments anytime through your Citi account without penalty. There is no fee for paying early or paying more than you owe.
Frequently Asked Questions
Can I pay my Best Buy credit card at a Best Buy store?
Yes, you can pay at the customer service desk at most Best Buy locations, but this is slower than paying online or by phone. Ask at the desk whether they accept credit card payments and what form of payment they take. Most stores accept cash, debit cards, or checks.
How long does it take for my payment to show up?
Online and phone payments usually post within one business day. Mail payments take five to seven business days. Payments made after 8 p.m. Eastern Time or on weekends post the next business day. Your due date does not change based on how long the payment takes to post, so send mail payments early.
What happens if I pay more than I owe?
Citi holds the extra amount as a credit on your account. You can use it toward your next purchase or request a refund. If you request a refund, it takes five to seven business days to reach your bank account. There is no fee for overpaying.
Can I change my due date?
Yes. Log into your Citi account, go to "Account Settings" or "Manage Your Account," and look for "Change Due Date" or "Payment Due Date." Citi usually lets you move your due date by a few days. This is useful if you want your payment to align with when you get paid.
Do I have to pay interest if I pay my balance in full by the due date?
No. If you pay the entire statement balance by the due date, Citi does not charge interest on purchases. This is true even if you made purchases throughout the month. Interest only applies if you carry a balance past the due date.