Best Buy offers two credit card options, one for use exclusively at their stores and another Visa-branded card accepted everywhere Visa is. Both cards provide rewards and flexible financing options. When it's time to pay your bill, Best Buy provides various methods, including online, in-store, by phone, via text, or by mail. In this article, we will discuss each payment option in detail. Additionally, we'll explore the interest rates for both cards, the differences between them, where to obtain the My Best Buy Credit Store Card, and the pros and cons of the Best Buy Credit Card. If you have any questions about the Best Buy Credit Card, we will also provide information on how to reach Best Buy Credit Card customer service. It's important to note that the content presented in this article is a combination of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of the Best Buy Credit Card.

Options and Rewards for Best Buy Credit Cards

Best Buy presents two credit card choices provided by Citi®: a retail version for exclusive use at Best Buy stores and a Visa-branded Best Buy credit card that is accepted at all locations that accept Visa. The My Best Buy credit card and the My Best Buy Visa card offer Best Buy Rewards, such as a 5% return on qualifying purchases, and provide flexible financing options.

When it comes time to settle your bill for the My Best Buy credit card, you have multiple options available to you, including online, in-store, by phone, via text, or by mail. Below are the details for each payment method.

How to Make an Online Payment for a Best Buy Credit Card

To pay your bill online, you will need to use your My Best Buy credit card login.

Online Payment

  • Open the website. Navigate to the credit card registration page on Citi's website.
  • Complete the registration. Provide the credit card number, your name, the card's security code, and the last four digits of your Social Security number.
  • Sign in. After registering, you can sign in to your Best Buy account online using your user ID and password.
  • Follow the instructions. Keep your checking account number and bank routing number readily available. Then, follow the instructions to complete the payment.
  • Settle your account and set up alerts. In addition to making payments through the website, you can activate alerts and manage your account.

  • How to Make an In-Store Payment for a Best Buy Credit Card

    To make a payment on your Best Buy credit card in-store, simply proceed to the customer service desk, where an employee will assist you. Ensure that you have your account number and preferred payment method ready.

    How to Make a Phone Payment for a Best Buy Credit Card

    Citi allows you to make a payment on your Best Buy credit card account by phone using their free automated system at 888-574-1301. You will need to provide your checking account and bank routing numbers, as well as have a valid check on hand to complete the payment.

    How to Make a Text Payment for a Best Buy Credit Card

    Another option is to make a payment through text. Please note that your cellphone provider may charge fees for sending and receiving texts. Follow these steps to proceed:

  • Send a text with the word PAY to 81964 using the device linked to your Best Buy account.
  • You will need to verify your identity and then text the desired payment amount and specify the account you are using for the payment.

  • How to Make a Payment for a Best Buy Credit Card by Mail

    To settle your Best Buy credit card payment by mail, you will need to send a check or money order along with your account number. The address to which you send your payment depends on the type of card you possess.

    If you are paying for a My Best Buy credit card account, send your payment to:

    My Best Buy Credit Card PaymentsP.O. Box 9001007Louisville, KY 40290-1007

    OR

    My Best Buy Credit Card PaymentsPO Box 70601Philadelphia, PA 19176-0601

    To pay your My Best Buy Visa bill, send your payment to:

    My Best Buy Visa Card PaymentsP.O. Box 78009Phoenix, AZ 85062-8009

    OR

    My Best Buy Visa Card PaymentsPO Box 70601Philadelphia, PA 19176-0601

    If you are making a late bill payment for either Best Buy credit card and wish for the payment to arrive the following day, use the following address:

    Attn: Consumer Payment Dept.6716 Grade LaneBuilding 9, Suite 910Louisville, KY 40213

    For My Best Buy credit card payments, address the envelope to My Best Buy Credit Card Overnight Delivery/Express Payment. For the Visa-branded account, address your payment to My Best Buy Visa Credit Card Overnight Delivery/Express Payments.

    What Are the Interest Rates for My Best Buy Cards?

    As of February 2023, the My Best Buy Credit store cards carry annual percentage rate (APR) interest charges with variable rates between 28.74% and 30.74%, as well as fixed rates ranging from 9% to 26.34%. My Best Buy Visa cards feature variable rates of 15.24% to 30.74% and non-variable rates of 9.99% to 20.24%.

    What Is the Distinction Between the My Best Buy Visa card and the My Best Buy Credit Store Card?

    The My Best Buy Visa card can be used anywhere and earns rewards on all purchases. On the other hand, the My Best Buy Credit store card can only be used at Best Buy and only awards rewards for purchases made at Best Buy.

    Where Can I Obtain the My Best Buy Credit Store Card?

    You can acquire the My Best Buy Credit store card either in-store at Best Buy or online at BestBuy.com.

    Pros & Cons of the Best Buy® Credit Card

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    How Can I Reach Best Buy Credit Card Customer Service?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    How Do I Find My Best Buy Credit Card Number?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    Where Can I Check My Best Buy Credit Card Balance?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    Where Can I Fill Out My Best Buy Credit Card Application?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    What Are the Best Buy Credit Card Requirements for Approval?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    What Are the Top Benefits of the Best Buy Credit Card?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    What Credit Score Do You Need for the Best Buy Credit Card?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    How Do I Cancel My Best Buy Credit Card?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    What Is the Interest Rate for the Best Buy Credit Card?

    Initial rewards bonus of 10% back

    No introductory APR on balance transfers

    Requires good/excellent credit

    Looking for something else? Submit your question about the Best Buy® Credit Card to our community. Note that the provided content is a mixture of editorial and user-generated contributions and is not provided, reviewed, or endorsed by the issuer of this card.

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    In conclusion, the Best Buy Credit Card offers a convenient and flexible way to manage your purchases and payments. With multiple payment options available, including online, in-store, by phone, and even through text, settling your bill has never been easier. Plus, the card provides attractive rewards and financing options, making it a great choice for avid Best Buy shoppers. Whether you choose the retail version or the Visa-branded card, you'll enjoy the benefits and convenience that come with being a Best Buy Credit Card holder.