Where to pay your Best Buy credit card bill
You can pay your Best Buy credit card bill through three main routes: the Best Buy website, the Best Buy mobile app, or by phone with a customer service representative. The website and app both let you make a payment when ready without waiting on hold. Phone payments take longer but work if you prefer speaking to someone or have questions about your account at the same time.
Best Buy's credit card is issued by Citi, so your account lives in Citi's system. When you log in to pay, you are logging into Citi's portal, not Best Buy's main shopping site. This matters because your Best Buy shopping account and your credit card account are separate logins.
Key Takeaways
- You can pay online through Citi's website, through the Best Buy mobile app, or by calling the number on the back of your card.
- Online and app payments post to your account within one business day, though the money may take longer to leave your bank account.
- You can set up automatic payments so a fixed amount or your full balance is paid on the same date each month.
- If you pay by mail, send your check to the address on your statement and allow at least 10 business days for it to post.
- Late fees and interest charges begin if your payment does not arrive by the due date shown on your statement.
Paying online through Citi's website
Go to creditcards.citi.com and log in with your username and password. If you have never logged in before, you will need to register using your card number and other identifying information from your statement. Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually near the top of the page or in the account summary section.
Enter the amount you want to pay and choose your payment method — you can pay from a checking account, savings account, or debit card. Citi will show you when the payment will post (usually the next business day) and when the money will leave your account (which may be a day or two later, depending on your bank). Review the details and confirm the payment.
Keep the confirmation number that appears on screen. You will not receive a separate email confirmation, so write down or screenshot the number in case you need to reference the payment later.
Paying through the Best Buy mobile app
Open the Best Buy app and tap the menu icon (three horizontal lines) in the bottom right corner. Scroll down and select "Credit Card" or "Manage Credit Card." You may be asked to log in again with your Citi credentials. Once you are in your credit card section, tap "Make a Payment" or "Pay Bill."
The app walks you through the same steps as the website: choose your payment amount, select your funding source, and confirm. The payment posts on the same timeline as online payments — usually within one business day. The app is useful if you are already shopping on Best Buy and want to pay your bill without opening a separate browser.
Paying by phone
Call the number on the back of your Best Buy credit card. A representative will verify your identity by asking for your card number, Social Security number, or other account details. Tell them you want to make a payment and provide the amount.
You can pay from a checking or savings account over the phone. The representative will ask for your routing number and account number, which you can find at the bottom left of any check. Payments made by phone post within one business day, the same as online payments. Ask for a confirmation number before you hang up.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Citi account online or through the app, look for "Autopay" or "Automatic Payments," and choose how much you want paid automatically each month. You can set it to pay your full statement balance, a fixed dollar amount, or just the minimum payment.
Select the date you want the payment to come out each month — many people choose a few days after payday so the money is in their account. Citi will deduct the payment automatically on that date every month until you turn it off. You can change or cancel automatic payments anytime by logging back into your account.
Automatic payments are useful for avoiding late fees, but make sure your bank account has enough money on the payment date. If the payment bounces because of insufficient funds, you may be charged an overdraft fee by your bank and a returned payment fee by Citi.
Paying by mail
If you prefer to mail a check, write it to the address shown on your statement under "Payment Address" — do not send it to Best Buy's main corporate address. Include your account number on the check. Mail should be sent at least 10 business days before your due date to arrive on time.
Payments sent by mail are slower to post than online or phone payments. Citi counts a payment as received on the date it arrives at their processing center, not the date you mail it. If your payment arrives after your due date, you will be charged a late fee even if you mailed it on time. For this reason, mailing is the least reliable method if you are close to your due date.
What happens if you miss your due date
Your due date is printed on your statement. If your payment does not arrive by that date, Citi will charge a late fee — the amount depends on your account but is typically $25 to $40 for the first late payment. You will also be charged interest on your balance at a higher rate (the penalty APR) if you miss a payment by 60 days or more.
A single late payment can also lower your credit score. If you realize you will miss your due date, call Citi when ready. They cannot waive a late fee that has already been charged, but they may be able to reverse it if you have a good payment history and this is your first miss. Paying as soon as you realize the mistake will prevent additional fees from stacking up.
Frequently Asked Questions
How long does it take for my payment to show up?
Online, app, and phone payments post to your account within one business day. The money may take an additional one to three business days to leave your bank account, depending on your bank. Mail payments take 7 to 10 business days to arrive and post.
Can I pay my Best Buy credit card through my bank's bill pay system?
Some banks allow you to pay credit cards through their bill pay system, but it is slower than paying directly through Citi. Your bank will mail a check on your behalf, which takes the same 7 to 10 days as mailing yourself. If you are close to your due date, pay directly through Citi instead.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases or request a refund by calling Citi. Refunds are mailed as a check and take one to two weeks to arrive.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount you want, as long as it is at least the minimum payment shown on your statement. Paying only the minimum means you will be charged interest on the remaining balance. Paying the full balance avoids interest charges entirely.
What if I forgot my Citi login password?
Go to creditcards.citi.com and click "Forgot Password" on the login page. Citi will send a reset link to the email address on file. If you cannot access that email, call the number on the back of your card and a representative can help you regain access to your account.