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 customer service, or by sending a check in the mail. The fastest method is online through your account portal, where you can make a one-time payment or set up automatic payments. Phone payments take a few minutes and reach your account when ready. Mail payments take 7 to 10 business days to post, so plan ahead if you are close to your due date.
Your payment due date appears on your monthly statement and on your online account. Payments are due by 5 p.m. Eastern time on that date to avoid a late fee. If you miss the due date, you will be charged a late fee and your interest rate may increase.
Key Takeaways
- Online payment through your Best Buy credit card account is the fastest method and lets you pay any amount at any time.
- You can set up automatic payments to pay your full balance or a fixed amount on the same day each month.
- Phone payments reach your account the same day you call, but you will need your card number and account information ready.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid a late fee.
- Your due date is listed on your statement and in your online account; payments must arrive by 5 p.m. Eastern time that day.
Pay online through your Best Buy account
Log in to your Best Buy credit card account at bestbuy.com/account. Click on "Credit Card" or "My Credit Card" in the menu. You will see your current balance, due date, and minimum payment amount.
Click "Make a Payment" or "Pay Now". Enter the amount you want to pay and choose your payment method — debit card, bank account, or another option if available. Review the details and confirm. Your payment posts to your account when ready, though it may take one business day to show in your available credit.
If you do not have an online account yet, you can create one at bestbuy.com/account by entering your card number, Social Security number, and date of birth. You will receive a temporary password by email, which you can change after you log in.
Set up automatic payments to avoid missing a due date
Automatic payments deduct money from your bank account on the same day each month, so you never have to remember to pay. Log in to your Best Buy credit card account, go to "Settings" or "Account Settings", and look for "Automatic Payments" or "Autopay".
Choose how much to pay each month: your full statement balance, a fixed dollar amount, or your minimum payment. Select the day of the month when you want the payment to come out — usually the same day as your due date or a few days before. Confirm your bank account information and save your settings.
You can change or cancel automatic payments at any time through your account settings. If you cancel, you will need to make manual payments again to stay on time.
Pay by phone with Best Buy customer service
Call the customer service number on the back of your Best Buy credit card. Have your card number, account PIN or Social Security number, and the amount you want to pay ready. A representative will walk you through the payment and confirm it before processing.
Phone payments are processed the same day you call and post to your account within one business day. This method works well if you do not have online access or prefer to speak with someone. Wait times can be longer during peak hours, usually early morning or late evening.
Pay by mail if you prefer to send a check
Write a check for the amount you owe and include your account number on the check. Mail it to the address listed on your statement under "Payment Address" or "Make Checks Payable To". Do not send cash.
Mail payments take 7 to 10 business days to reach Best Buy and post to your account. Send your payment at least two weeks before your due date to make sure it arrives on time. If you are paying close to the due date, use online or phone payment instead to avoid a late fee.
What to do if you cannot pay by your due date
If you know you cannot pay by the due date, contact Best Buy customer service as soon as possible. Explain your situation and ask about payment options. Some cardholders may be able to set up a payment plan or defer a payment, though this depends on your account history and the reason for the hardship.
Paying even a partial amount before the due date is better than paying nothing, because it reduces the balance that accrues interest. Late fees are typically $25 to $35 depending on your account, and your interest rate may increase if you are 60 days or more past due.
Understand your statement and payment terms
Your Best Buy credit card statement shows your opening balance, purchases, payments, interest charges, and closing balance. The statement also lists your due date, minimum payment, and the amount of interest you will pay if you only make the minimum payment.
Interest accrues daily on any balance you carry from month to month. If you pay your full statement balance by the due date, you will not be charged interest. If you pay less than the full balance, interest applies to the remaining amount at your card's annual percentage rate (APR), which varies based on your creditworthiness and current market rates.
Frequently Asked Questions
Can I pay my Best Buy credit card with a different payment method?
You can pay online with a debit card or bank account, by phone with a debit card or bank account, or by mail with a check. Best Buy does not accept payments by credit card, PayPal, or other third-party payment services. If you have questions about other payment methods, call customer service.
What happens if my payment is late?
A late fee of $25 to $35 will be added to your account, and your interest rate may increase. If you are 30 days late, the late payment may appear on your credit report. If you are 60 days or more late, your account may be sent to collections and your credit score could drop significantly.
How long does it take for my online payment to show up?
Online payments post to your account when ready and reduce your available credit right away. It may take one business day for the payment to show as "posted" on your statement, but you can use your available credit the same day you pay.
Can I pay more than my statement balance?
Yes, you can pay any amount up to your full balance and any past-due amounts. Paying more than your minimum reduces the interest you will pay and lowers your credit utilization ratio, which can help your credit score.
What if I want to set up automatic payments but I am worried about overdrafts?
Make sure your bank account has enough funds on the day your automatic payment is scheduled. You can choose the payment day and amount, so pick a day after you typically receive income. If you are concerned about overdrafts, start with a fixed dollar amount rather than your full balance, and increase it once you are confident the timing works.