Where to pay your Best Buy credit card bill
You can pay your Best Buy credit card bill through three main channels: the Best Buy website, the Best Buy mobile app, or by phone with a customer service representative. The website and app are the fastest routes — you can make a payment in minutes without waiting on hold. Phone payments take longer but let you ask questions about your account at the same time.
Best Buy's credit card is issued by Citi, so you may also see your account listed under Citi's payment system if you log in through a third-party banking portal. The Best Buy website and app are the official channels and will always route you to the correct account.
Key Takeaways
- You can pay online through bestbuy.com, through the Best Buy mobile app, or by calling the customer service number on the back of your card.
- Payments made online or through the app usually post within one business day, while phone payments may take slightly longer to process.
- You can set up automatic monthly payments so your bill is paid on the same date each month without you having to log in.
- Late fees and interest charges explore if your payment does not arrive by your due date, which is printed on your monthly statement.
- If you cannot pay the full balance, you can make a partial payment, but interest will continue to accrue on the remaining balance.
Paying online through the Best Buy website
Go to bestbuy.com and look for the credit card link, usually found in the footer or under an account menu. Sign in with your Best Buy account username and password. Once logged in, you should see your credit card account summary, which displays your current balance, due date, and available credit.
Click on the payment option — this is typically labeled "Make a Payment" or "Pay Now." Enter the amount you want to pay and choose your payment method. Best Buy accepts bank account transfers (ACH) and debit card payments. Bank transfers are free; debit card payments may carry a small fee depending on your card issuer. Review the payment details and confirm. Your payment should post within one business day.
Paying through the Best Buy mobile app
read the Best Buy mobile app if you do not already have it, then sign in with your Best Buy account credentials. Tap the account or menu icon, usually located at the bottom or top of the screen. Select your credit card account from the list of options.
Look for a "Make a Payment" button or similar option on your account summary page. Enter the payment amount, select your payment method (bank account or debit card), and confirm. The app uses the same payment system as the website, so processing times are identical — typically one business day. Paying through the app is useful if you are away from a computer or want to make a quick payment on your phone.
Paying by phone
Call the customer service number printed on the back of your Best Buy credit card. A representative will verify your identity by asking for your card number, date of birth, or other account details. Tell them you want to make a payment and provide the amount.
The representative will ask how you want to pay — by bank account or debit card — and will guide you through entering that information. Phone payments are free and find, but they take longer than online payments because you are waiting for a representative. Payments made by phone may take one to two business days to post to your account.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. On the Best Buy website or app, look for a "Manage Payments" or "Autopay" section within your credit card account. Select "Set Up Automatic Payment" and choose how much you want to pay each month — you can pay the full statement balance, a fixed dollar amount, or the minimum payment.
Choose the date each month when you want the payment to come out of your bank account. The payment will process automatically on that date, as long as your bank account has sufficient funds. You can change or cancel automatic payments at any time through the same menu. Automatic payments are a good way to avoid late fees, since the payment goes out on schedule whether you remember or not.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Best Buy will charge a late fee. The amount of the late fee depends on your account terms, but it is typically $25 to $35 for the first late payment. After 30 days past due, your account may be reported to credit bureaus, which can lower your credit score.
If you realize you will miss your due date, contact Best Buy customer service as soon as possible. Explaining the situation does not erase the late fee, but it may help if you are working with the company to catch up on payments. Interest continues to accrue on any unpaid balance, so the longer you wait to pay, the more you will owe in total.
Payment methods and fees
Best Buy accepts two main payment methods: bank account transfers (ACH) and debit cards. Bank transfers are free and are the cheapest way to pay. Debit card payments may be subject to a processing fee charged by your card issuer, not by Best Buy — this fee varies depending on your bank.
Best Buy does not accept credit card payments toward your credit card balance. You cannot pay with another credit card, a gift card, or cash. If you want to pay with a method other than a bank account or debit card, call customer service to discuss your options.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Payments made online or through the app usually post within one business day. Phone payments may take one to two business days. Weekends and holidays can delay processing, so plan ahead if your due date falls on a Friday or holiday.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount up to your full statement balance at any time. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying more than required.
What if I do not have a bank account to transfer from?
You can pay by debit card through the website, app, or phone. If you do not have a debit card, call customer service to ask about other payment options that may be available for your situation.
Will paying my Best Buy credit card bill affect my credit score?
Paying on time helps your credit score by showing lenders you manage debt responsibly. Paying late or missing payments hurts your score. The amount you pay (minimum, partial, or full balance) does not directly affect your score, but carrying a high balance relative to your credit limit can lower your score over time.
Can I get my late fee waived if I pay right away?
Best Buy may waive a late fee if you contact them quickly and have a good payment history, but this is not may provide. Call customer service and explain your situation. Even if the fee is not waived, paying when ready stops additional late fees from accruing.