Best Buy is a popular American multinational consumer electronics retailer dealing in computers, appliances, cell phones, video games, and new technology. The company has its headquarters In Richfield, Minnesota. Best Buy was founded in 1966 as Sound of Music, an audio specialty store.
In 1983, the founders rebranded the company as a consumer electronics company. The management also changed the company’s name and adopted Best Buy Co. Stores as the new name. Currently, the company operates in Canada and America with eight house brands: Dynex, Init, Insignia, Magnolia Home Theater, Magnolia Design Center, Platinum, Modal, RocketFish, Pacific Sales, and RocketFish Mobile. The company operates at more than 1200 locations.
The company also offers a loyalty program to reward regular customers with exclusive discounts, offers, and deals. Best Buy also offers credit cards that customers can use to conveniently save on their purchases and make payments. But many people are unsure about the procedure, card activation, payments, etc.
In this article, we are going to talk about the Best Buy credit card, its benefits, card login, payment, and customer service. So let’s get into it.

Best Buy Credit Card
Best Buy offers two credit cards under the loyalty program: My Best Buy Credit Card, My Best Buy Mastercard, and My Best Buy Visa Card. You can access any cards and use them when shopping at Best Buy. The company has partnered with Citibank services to provide Best Buy’s customers with credit card options. Besides, you can also enjoy discounts and offers at other shopping places with a Best Buy visa card.
The Best Buy credit card is a closed-loop store card that can only be used when making Best Buy purchases. However, you can use this card for purchases at Best Buy as well as other places. Both cards have their own benefits and perks. However, we will be focusing more on the Best Buy Credit Card and not on Visa Card. But let’s talk about the benefits of both cards Best Buy offers.
Benefits Of Best Buy Credit Card
Here are the benefits of each card Best Buy offers:
Best Buy Credit Card
If you choose Best Buy Credit Card, you can enjoy the following perks:
- Make discounted purchases at Best Buy stores and locations
- You can also get an exclusive discount on purchases made at the online website of Best Buy
- A 5% cash back in the form of points when choosing a Best Buy credit card
- You also get 5% of your purchases back in rewards. For instance, you get 1250 points on purchases of $500 which can be used later for purchases
Best Buy Visa Card
If you choose Best Buy Visa Card, you get entitled to the following benefits:
- You can use the Best Buy Visa card at Best Buy stores, online websites, etc.
- Additionally, you can make purchases anywhere else where Visa cards are accepted.
- A 5% cash back in the form of points when choosing a Best Buy credit card
- You also get 5% of your purchases back in rewards. However, if you apply for another My Best Buy card, you can enjoy an additional 5% on the purchases within 14 days of account opening.
- You can get 3% back in rewards when purchasing gas at different gas stations. It means 1.5 points for every $1 spent.
- You can get 2% back in rewards for your purchases at different restaurants. It means 1 point for every $1 spent.
- You can get 1% back in rewards when purchasing anything at stores other than Best Buy or Pacific Sales. It means 1 point for every $2 spent.
- You get standard financing options with your card
Do I Qualify For Best Buy Credit Card?
The qualification criteria for closed-loop credit cards are usually not very strict. However, you still need to meet the basic requirements to qualify for any loyalty program, store credit card, or visa card. Since Citibank issues the credit cards of Best Buy, here are the general requirements you must meet:
- You must be a resident of the USA and its territories. However, if you apply for Canada or Mexico, you should be a resident of those countries.
- You must be of age 18 or above.
- You must have a fair credit score of around 640 or above.
- The financial institutions verify applicants’ personal and financial details to prevent any money laundering and terrorism funding.
If you fulfill all points as mentioned above, you should be confident about getting approved and receiving your Best Buy credit card. However, if you don’t meet the criteria, you should consider looking for other alternatives.
How To Apply For Best Buy Credit Card?
Satisfied that you are fit to apply for the Best Buy card? Wondering how to apply for a credit card?
You can apply for your Best Buy credit card through two methods: Online and In-store. So let’s discuss each of them.
In-Store
You can apply for your Best Buy credit card by visiting the nearby store and asking them to provide you with an application form for a credit card. Fill out the form; the store will cross-check your application with online credit reports as well as your identity. Once approved, the application proceeds to the relevant department, and you will receive your card within 7 to 14 business days.
Online
Here is the step-by-step guide on how to apply for the Best Buy credit card online:
- Log on to the official website of Best Buy and sign up for your account. You will need to provide information like your full name, email, phone number, username, etc.
- Once signed up, complete the personal information form regarding your identity, income proof, address, etc. It is necessary to provide the information to apply for a credit card by Best Buy.
- Now choose which card you want to apply for. You can choose any of the cards we have mentioned above. Review the Terms and Conditions and agree to them.
- Submit your application. The application will go under review, and you must wait for the approval. The card will arrive at your address within 7 to 14 days of your application approval.
How To Activate Best Buy Credit Card?
Received your card at your mailing address! The next challenge is card activation to start using. So here is the complete guide on how to activate your Best Buy Credit card.
By Call
If you want to activate your card by calling the Customer Care Hotline, you will need to follow the automated instructions on the call. The number for card activation is as follows: 888-574-1301.
Get all information in your hand before you dial the number for your card activation. The necessary information includes your personal details like name, address, zip code, SSN, etc. Once you initiate the card activation process and provide the asked details, an OTP for confirmation will be sent by Citi Bank. Authenticate the OTP, and your card will activate as soon as possible.
Online
For online activation of your card, here is what you need to do:
- Since Citi Bank is the service provider, log in to their official website and choose Register Your Card.
- It will ask you to provide your card details to start the process. The information includes your card number, security code, name of the card, last four digits of SSN, etc.
- After providing the card details and proceeding, a form will appear asking you to provide your personal details. Confirm the details.
- Create your username and password and continue.
- Now you can use your Best Buy card for purchases and earn exclusive discounts.
How To Make Best Buy Card Payment?
You can make payments to your Best Buy Card in four different ways that are as follows:
Online
To make a payment online, you will have to log in to your Best Buy card account with the username and password you created during the activation process. Once logged in, follow the on-screen prompts to proceed with the payment. In general, you will have to link your bank account number and routing number to your Best Buy card. After that, go to the payments section and pay the amount you want to pay.
Via Call
The automated call instructions also help you make Best Buy card payments without hassle.
- Before calling, have your card information with you.
- Call on Citi Bank helpline number 1-888-574-1301.
- Enter your card information after automatic prompts.
- Confirm the payment, and you are good to go.
Via Mail
If you want to make payment via check or money order, the mailing is a better option. Write the check or purchase the money order, enter in an envelope, and mail it to the mailing address of Best Buy payments department here:
My Best Buy Credit Card Payments
P.O. Box 9001007
Louisville, KY 40290-1007
Via Text
It is a service, not every brand and service provider offers for making payments. Well, you will need to send a text message to 81964. The body of the text should be ‘PAY.’ You will receive a text about the amount you want to pay. Reply back with the amount and
Best Buy Credit Card Customer Service
There are different ways to get in touch with the Customer Service of Best Buy for card issues, problems, and resolutions.
Phone
Here is the Customer Service number for calling: 1-888-574-1301
You can call and ask for help during working hours on active business days.
Mailing Address
The mailing address for credit card payments is as follows:
My Best Buy Credit Card Payments
P.O. Box 9001007
Louisville, KY 40290-1007