Call Best Buy's credit card payment line to pay over the phone
Best Buy's credit card is issued by Citi, so you call Citi's payment line to make a payment by phone. The number is 1-800-950-5114. Have your card number and the amount you want to pay ready before you call.
This line is available 24 hours a day, seven days a week. The system will walk you through entering your payment amount and confirming the transaction. Payments made this way typically post to your account within one business day.
If you are calling from outside the United States, you can find the international number on the back of your Best Buy credit card or on your monthly statement.
Key Takeaways
- Best Buy credit card payments go through Citi at 1-800-950-5114, available around the clock.
- You can pay by phone without logging into an online account, though you will need your card number and the payment amount.
- Payments made by phone typically post within one business day, though the exact timing depends on when you call.
- You can also pay online through Citi's website or the Best Buy mobile app without calling.
What information you need before calling
Gather these details before you dial so the call moves quickly. You will need your Best Buy credit card number, which is on the front of your physical card or in your account statement. You will also need to know how much you want to pay — either your full balance, your minimum payment, or a specific dollar amount.
If you are paying from a bank account, have that account number and routing number ready. If you are paying with a debit card, have that card number available. The system will ask which payment method you prefer.
Other ways to pay without calling
If you prefer not to use the phone, you can pay online through Citi's website at www.citicards.com. Log in with your card number and set up a one-time payment or a recurring automatic payment. This route takes about five minutes and gives you a confirmation number right away.
The Best Buy mobile app also lets you pay your card balance if you have set up an account. Open the app, go to your credit card section, and select "Make a Payment." You can pay when ready or schedule a payment for a future date.
You can also mail a check to the address on your statement, though this takes longer — typically five to seven business days to post.
What happens after you make a payment by phone
Once you complete the call, you will hear a confirmation number. Write this down or take a screenshot if you are on speaker. This number proves you made the payment if there is ever a question.
The payment will post to your account within one business day in most cases. If you call on a Friday evening, it may not post until Monday. Check your balance online the next day to confirm the payment went through.
Your next billing statement will show the payment and your new balance. If you were behind on your account, the payment will bring your status current as long as it covers the full amount owed.
If you cannot reach the payment line
The phone line occasionally experiences high call volume, especially near billing due dates. If you get a busy signal or long wait, try calling early in the morning or late in the evening when fewer people are calling.
If the line is down for technical reasons, you can pay online at citicards.com instead. This is faster anyway and does not require waiting on hold. You can also call Best Buy's main customer service line at 1-888-237-8289 and ask them to transfer you to the credit card payment team, though this usually takes longer.
Late payments and what to do if you miss a due date
If your payment is due on a specific date, call at least two business days before that date to make sure it posts on time. Payments made on the due date itself sometimes post after the important date, which can trigger a late fee.
If you have already missed a payment, call the number above and make the payment as soon as you can. The sooner you pay, the less interest will accrue on your balance. Ask the representative if the late fee can be waived — some situations may have access to, especially if this is your first missed payment.
Setting up automatic payments to avoid calling
If you call the payment line regularly, consider setting up automatic payments instead. You can do this through citicards.com or by calling 1-800-950-5114 and asking the representative to set it up for you during the call.
You can choose to pay your full balance, your minimum payment, or a fixed dollar amount on a date you pick each month. This removes the need to remember to call or log in, and it helps you avoid late fees.
Frequently Asked Questions
Is there a fee to pay by phone?
No. Citi does not charge a fee for paying your Best Buy credit card by phone. You only pay interest on any balance you carry, not for the act of making a payment.
Can I pay someone else's Best Buy credit card?
No. For security reasons, you can only pay a card if your name is on the account. If you want to help someone else pay their bill, they can authorize you as an account user, or you can send them money and they can pay it themselves.
What if I want to pay more than my balance?
You can pay more than you owe, and the extra amount will sit as a credit on your account. You can use this credit toward future purchases, or you can call back and ask Citi to refund the overpayment to your bank account.
How long does a payment take to post if I call late at night?
Payments made after business hours still post within one business day, but the clock starts the next morning. A payment made at 11 p.m. on a Tuesday will post by Wednesday evening at the latest.
Can I pay my Best Buy credit card at a Best Buy store?
No. Best Buy stores do not accept credit card payments in person. You must pay by phone, online, or by mail. The phone line is the fastest option if you do not have internet access.