How to Make Best Buy Credit Card Payments In-Store

Sep 15, 2022 By Triston Martin

Best Buy is an American electronics retailer founded by Richard Schulze and James Wheeler. They formed the company in 1966 as ‘Sound of Music,’ which operated likewise for an additional 17 years. In 1983, the name was changed to ‘Best Buy Company, Inc.’ By this time, it had close to $10 million in annual revenue.

Best Buy provides two card options, both issued by Citi:

  • (My) Best Buy Credit Card
  • (My) Best Buy Visa® Card

You can either apply for any of these cards in-store or online. The My Best Buy Credit Card is only acceptable in-store, while My Best Buy Citi Visa is acceptable anywhere that allows Visa.

Here are a few key differences between the two cards:

My Best Buy Credit Card

My Best Buy Visa Card

Can only be accepted in a Best Buy store or (closed-loop)

Can be accepted anywhere that takes Visa cards (open-loop)

No annual fee

Annual fee for the Gold version ($59)

Fewer rewards

More rewards

The My Best Buy Credit Card is not a general card and can only be exclusively used at Best Buy stores, on the online website, and in Best Buy affiliates. You cannot pay using this card when shopping on external sites like Amazon.

The benefits of using this card include:

  • 5% cash back to regular cardholders.
  • 6% cash back on purchases made by Elite Plus members.
  • 6-month financing for buys that are more than $199.
  • 12-month financing for purchases exceeding $399.
  • 18-month financing for purchases that surpass $599.
  • 24-month financing for buys exceeding $799.
  • 10% in rewards for first purchases of credit cardholders.
  • Automatically elevated to become Elite Plus members when they make purchases of more than $3,500 in one year.

How to Make Best Buy Credit Card Payments

For the purpose of this article, we shall consider the Best Buy Credit Card. So, you’ve picked those fancy headphones, upgraded your phone, and are ready to pay. You want to use your Best Buy Credit Card to take advantage of the fantastic rewards. The ways in which you can make your payment are:

  • In-store (at checkout)
  • Via phone
  • Online
  • Via text
  • Via mail

We shall look at each mode in detail.


Best Buy allows payment using the Best Buy Credit Card in Best Buy physical locations, except Best Buy Kiosks and Magnolia or Geek Squad® services. When in an actual Best Buy store, you can also pay via any other method, including cash, text, or at checkout. You may not even need to use your Best Buy Credit Card in-store; you can simply use your Best Buy mobile app on your smartphone and make payments.

Via Phone

BestBuy allows you to call and speak to a shopping expert via chat, video, or voice. They even do appointments. The expert will provide you with the best tips on what best to buy according to your budget and offer general financing advice. You can ask them how to pay using your Best Buy Credit Card.

The Best Buy support center is free and works live, that is, in real-time. This means that you could be shopping online and still contact them for tips on what you are currently shopping for.

You can call Citi’s toll-free support center number: 888-574-1301. Since Citi is the issuer of the Best Buy Credit Card, any complaints or questions about payments using this card should be directed to Citibank. In case their call center does not fully answer your questions or does not provide any feedback at all, you should contact them via the Citi Mobile App.

Any queries about payment using your Best Buy Credit Card should be redirected to Citi. The Best Buy team will handle anything else regarding first-time seamless payments.


You first need to set up your Best Buy Pay on to pay online. The process is as follows:

  • Set up your account by signing in or creating an account.
  • Select your Best Buy Credit Card as your primary card.
  • You can download the Best Buy app on your smartphone to use this card in-store.
  • Verify your identity via your pin.
  • At checkout, use the app to make payments. Validate your identity once more, and show the QR code displayed on your phone to the Best Buy employee serving you.

The benefits of using Best Buy Pay include:

  • It is contactless; therefore, you don’t need to carry your Best Buy Credit Card to the store whenever you need to make purchases.
  • Security. Best Buy has introduced several security checks to ensure that your Best Buy Credit Card will not be manipulated. It also ensures that your account details are kept confidential at all times.
  • Rewards. Best Buy Pay provides numerous financing options with low interest if you use your pay account daily and in-store.

Via Text

Best Buy also allows for payment through text. To access this feature:

  • Your device should be linked to your Best Buy account.
  • Send ‘PAY’ to 819641.
  • Validate your identity.
  • Send the amount you intend to pay.
  • Include the account that is making the payment.

Via Mail

This is often the last resort of payment or can be used by individuals who make payments abroad. To make payments via mail:

  • First, send a check or money order.
  • You will also be required to send your account number.
  • Include your address.

This is the address where you will send your Best Buy Credit Card payment to:

My Best Buy Credit Card Payments

P.O. Box 9001007

Louisville, KY 40290-1007

Late payments using the Best Buy Credit Card should be made to:

Attn: Consumer Payment Dept.

6716 Grade Lane

Building 9, Suite 910

Louisville, KY 40213

The envelope should be addressed to My Best Buy Credit Card Overnight Delivery/ Express Payment.

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