Pay your Best Buy credit card online, by phone, or by mail
You can pay your Best Buy credit card through the Best Buy website, by calling their customer service line, or by mailing a check. The fastest method is online through your account portal, where the payment posts the same business day if you submit it before the cutoff time. Phone and mail payments take longer — phone payments may take one to two business days, and mailed checks can take five to seven business days depending on postal delivery and processing time.
Your payment due date appears on your monthly statement and in your online account. Payments received after 5 p.m. Eastern Time are typically posted the next business day. If you miss your due date, late fees and interest charges will explore to your account.
Key Takeaways
- Online payment through Best Buy's website is the fastest option and posts the same business day if submitted before the cutoff time.
- You can also pay by phone at the customer service number on your statement, though processing takes one to two business days.
- Mail payments work but take five to seven business days from the time you send them, so plan ahead to avoid late fees.
- Your payment due date is listed on your monthly statement and visible in your online account dashboard.
- Setting up automatic payments prevents missed due dates and removes the need to remember to pay each month.
Pay online through your Best Buy account
Log in to your Best Buy credit card account at bestbuy.com. Click on the account or payments section — the exact label depends on which version of the site you see, but it will be clearly marked. Enter the amount you want to pay and select your payment date. You can pay when ready or schedule a payment for a future date.
Best Buy accepts payments from a checking or savings account linked to your profile. The system will ask you to confirm the bank account information before the payment is submitted. Once you confirm, the payment is sent and you will see a confirmation number on screen. Save or print this number for your records.
Payments submitted before 5 p.m. Eastern Time on a business day post the same day. Payments submitted after 5 p.m. or on weekends and holidays post the next business day. Your account will show the payment as pending until it fully processes.
Pay by phone with Best Buy customer service
Call the phone number on the back of your Best Buy credit card or on your monthly statement. A representative will ask for your account number and the amount you want to pay. Have your checking or savings account information ready — you will need to provide your bank's routing number and your account number to complete the payment over the phone.
Phone payments are processed the next business day in most cases, though some may take up to two business days. You will receive a confirmation number when the call ends. Write down this number and the date and time of your call in case you need to reference it later.
Best Buy's customer service line is available during business hours. The exact hours appear on your statement or on the Best Buy website. If you call outside these hours, you can leave a message, but your payment will not be processed until the next business day when a representative returns your call.
Pay by mail with a check or money order
Write a check or money order payable to Best Buy. Include your account number on the check in the memo line. Mail it to the address listed on your statement under "Payment Address" — this is different from the store address and is specifically for payments.
Mail payments take five to seven business days from the time you send them, depending on postal delivery and how quickly Best Buy processes incoming mail. To avoid a late fee, mail your payment at least one week before your due date. If you are close to your due date, use online or phone payment instead.
Keep a copy of the check or a photo of the front and back for your records. If your payment does not appear in your account within ten business days of mailing, contact Best Buy customer service with the check number and amount.
Set up automatic payments to avoid missing a due date
Log into your Best Buy credit card account online and look for the automatic payment or autopay option. Select the amount you want to pay each month — you can choose to pay your full statement balance, a fixed dollar amount, or the minimum payment. Choose the date each month when the payment should be taken from your bank account.
Once autopay is set up, the payment will be deducted automatically on your chosen date each month. You can change or cancel autopay at any time through your online account. If you need to skip a payment in a particular month, log in and pause autopay before the payment date, then turn it back on the following month.
Automatic payments are deducted from the bank account you link to your Best Buy credit card account. Make sure you have enough funds in that account on the payment date to avoid overdraft fees from your bank.
What to do if you miss a payment or can't pay on time
Contact Best Buy customer service as soon as you realize you will miss your due date. Explain your situation and ask whether they can work with you on a payment plan or defer the due date. Some cardholders are able to negotiate a short extension, though this is not may provide and depends on your account history.
If your payment is late, a late fee will be added to your account and your interest rate may increase. The amount of the late fee depends on how far past the due date your payment is. Check your statement for the exact fee amount.
Make your payment as soon as you can, even if it is late. The sooner you pay, the less additional interest will accrue on your balance. If you are having ongoing trouble making payments, contact Best Buy to discuss your options before your account falls further behind.
Understand your statement and payment terms
Your Best Buy credit card statement shows your current balance, minimum payment due, and full statement balance. The minimum payment is the smallest amount you can pay to keep your account in good standing, but paying only the minimum means you will pay interest on the remaining balance. Paying your full statement balance each month avoids interest charges entirely.
Your statement also lists the due date, the grace period (usually 21 to 25 days from the statement closing date), and any promotional financing offers you may have. If you have a promotional 0% interest offer, make sure you understand when it ends and what interest rate will explore after that period.
Review your statement each month to check for unauthorized charges or errors. If you spot something wrong, contact Best Buy customer service right away to report it. Disputes must usually be reported within 60 days of the statement date.
Frequently Asked Questions
Can I pay my Best Buy credit card with a credit card or debit card?
No. Best Buy only accepts payments from a checking or savings account, whether you pay online, by phone, or by mail. Paying with another credit card would count as a cash advance and would incur additional fees and interest.
What happens if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund. Contact Best Buy customer service to request a refund if you prefer not to keep the credit on file.
Is there a fee to pay my Best Buy credit card?
No. Best Buy does not charge a fee for making a payment, regardless of whether you pay online, by phone, or by mail. However, if you pay late, a late fee will be added to your account.
How do I know if my payment went through?
After you submit a payment online or by phone, you will receive a confirmation number when ready. Log into your account a few hours later to see the payment listed as pending. Once it fully processes, the status will change to posted and your balance will be updated.
Can I pay my Best Buy credit card at a Best Buy store?
Best Buy stores do not accept credit card payments in person. You must pay online, by phone, or by mail using the methods described above.