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To log in to your Best Buy Credit Card account online, follow these steps:
- Visit the Citibank website or use their mobile app.
- Find the login page.
- Enter your username and password into the provided fields.
- Click the “Sign On” button.
- You’ll now have access to your online account.
If you don’t have an account yet, click on “Register for Online Access” to create a username and password.
How to log in to a Best Buy Credit Card account
To log in to your Best Buy Credit Card account, follow these steps:
- Register Your Account:
- Go to the Best Buy Credit Card online access registration page.
- Enter your card number, birthdate, and the last 4 digits of your Social Security number or Tax ID number. This verifies your credit card account.
- Create a Username and Password:
- Choose a username between 5 and 50 characters, which can include special characters but no spaces.
- Create a password with 6 to 50 characters, containing at least one letter and one number. Avoid having more than two consecutive identical characters. Passwords are not case sensitive and can include special characters.
- Log In:
- Visit the Citibank website or use the mobile app.
- Fill in the User ID and Password fields with your newly created username and password.
- Click “Sign On” to access your Best Buy® Credit Card account.
- Manage Your Account:
- Once logged in, you can perform various tasks online, including paying your credit card bill, viewing statements, monitoring account activity, and updating account information like passwords and automatic payments.
If you ever forget your login details:
- On the Citibank login page, click “Forgot Password?” Follow the prompts to reset or retrieve your username or password.
How can I activate my Best Buy Credit Card?
To activate your Best Buy Credit Card, follow these steps:
- Online Activation: You can activate your card online when you’re registering for online banking. Simply log in to your account on the Best Buy website and complete the activation process.
- Phone Activation: If you prefer to activate your card over the phone, call (888) 574-1301. Follow the prompts to activate your card.
You can activate your card as soon as you receive it in the mail. Once activated, you can start using your Best Buy Credit Card right away. This same process applies to the Best Buy Store Card as well.
Where can I fill out my Best Buy credit card application?
You can apply for a Best Buy credit card either online or in-store. When you apply, you might get approved instantly or it could take up to 14 business days for a decision. If approved, you can start using the card right away, but if you have other credit cards linked to your Best Buy account, you’ll need a 3-digit security code from the physical card.
- Create a BestBuy.com account.
- You’ll be redirected to the issuer’s website to complete a secure online application form.
- Based on your credit, you’ll qualify for either the Best Buy Store Card (for fair credit or better) or the Best Buy Credit Card (for at least good credit). There’s only one application for both cards.
- Visit a Best Buy store.
- Ask any cashier or customer service representative for an application.
- Fill it out, and Citibank will determine if you qualify for the Best Buy Store Card or the Best Buy Credit Card, depending on your credit.
Regardless of where you apply, the application form asks for typical personal and financial information, including your income and debt. After approval, you can expect the card to arrive in the mail within 7-14 days.
How do I check my Best Buy Credit Card application status?
To check the status of your Best Buy credit card application, you have two options:
- Visit the Best Buy Credit Card webpage.
- Click on “Check application status.”
- Enter your date of birth, Social Security number, and zip code.
- Click “Submit.”
- You will see the status of your Best Buy Credit Card application.
- Call Best Buy Credit Card customer service at (888) 574-1301.
- Provide your Social Security number.
- Share your application reference number if available; if not, they can find it using your name and SSN.
If your application is approved, you should receive your new card in the mail within 10 business days. If more than 10 days pass and you haven’t received it, you can call the Best Buy Credit Card center for further assistance.
If your application is denied, you can request reconsideration by contacting Citibank, the issuer of the Best Buy Credit Card, at (888) 201-4523. You’ll need to demonstrate that your creditworthiness or income is better than it appeared on your application to be reconsidered for approval.
How can I check my credit card balance?
To check your credit card balance, you have several options:
Visit your card issuer’s website by typing in their web address or searching for it online. You’ll need to sign in with your account details or set up online access if you haven’t already. Once logged in, you can view your current balance, recent statements, make payments, and schedule future payments.
Via mobile app:
Download your card issuer’s official mobile app from your phone’s app store. Most of these apps are free. After downloading, log in with your account credentials. You can perform various tasks through the app, similar to the website, such as checking your balance, reviewing statements, and making payments.
Over the phone:
Find the customer service number on the back of your credit card. Call this number and follow the prompts to check your balance. You may need to provide your card number and other personal information to verify your identity.
Checking your credit card balance regularly is a good habit. It helps you detect any unauthorized charges or errors on your account. Additionally, keeping an eye on your balance ensures that you’re not using too much of your available credit, which can negatively impact your credit score and future credit card opportunities.
How can I reach the Best Buy Credit Card customer service?
To reach Best Buy Credit Card customer service, you have a few options:
- Online: Sign in to your Best Buy account and click “Get Help.” A virtual assistant will assist you with common questions, such as promotional balances and frequently asked questions.
- By phone: Call (888) 574-1301 or use the number provided on the back of your card. This will connect you to a representative who can assist you.
- By mail: You can also reach Best Buy Credit Card via mail at the following address: Best Buy Credit Card
P.O. Box 790441
St. Louis, MO 63179-0441
Please note that contacting customer service through mail is the least convenient option and may take a few business days for your inquiry to reach its destination.
How do I use a Best Buy Credit Card before it arrives?
To use a Best Buy Credit Card before it arrives:
- Inform a Best Buy cashier that you want to use your new Best Buy Credit Card, even though you haven’t received the physical card yet.
- Provide the necessary information for them to locate your account.
- Present a government-issued ID for identity verification.
- Complete your purchase.
- Create or log in to your Best Buy account.
- Visit the Best Buy credit card page and click “Check Your Application Status.”
- Provide your details and click “Submit,” which will redirect you to the issuer’s website, showing your application status.
- If approved, select “Continue” at the bottom right, leading to a page with shopping options.
- Continue through a few more steps until you’re prompted to save your card as the “primary” payment method.
- Check the “Make this my primary card” box and click “Add Card to My Account.”
- You can now use your new card for online purchases.
Your Best Buy Credit Card’s rewards will also be accessible as soon as it’s added as the primary card in your account. The physical card should arrive in the mail within 10 business days after approval.
How do I find my Best Buy Credit Card number?
Your Best Buy Credit Card number is a 16-digit number located on the front of your physical card. It’s situated between the card’s chip and the cardholder’s name. This number is also used for the Best Buy Store Card.
You’ll need this 16-digit number, along with the card’s expiration date and security code, when making online or over-the-phone purchases with your Best Buy Credit Card.
Can I use my Best Buy Credit Card anywhere?
Yes, you can use the Best Buy® Credit Card anywhere that accepts Visa cards, which includes 10.7 million U.S. locations and millions of merchants in 200 countries and territories worldwide.
However, the Best Buy Store Card is limited to purchases exclusively at Best Buy. The Best Buy® Credit Card has no annual fee, doesn’t charge extra for international purchases (0% foreign transaction fee), and offers rewards points ranging from 0.5 to 2.5 points for every dollar spent. It’s a suitable choice for frequent card users who make significant monthly purchases.
What are the top Best Buy credit card benefits?
The top benefits of the Best Buy Credit Card include:
- Rewards Program: You can earn points for your purchases, with 2.5 points per $1 spent on Best Buy purchases, 1.5 points per $1 spent at gas stations, 1 point per $1 spent at restaurants, bars, and grocery stores, and 0.5 points per $1 spent on all other purchases.
- Initial Offer: You get an initial offer of 10% back in rewards (equivalent to 5 points per $1 spent) on your first day of purchases made within the first 14 days.
- Reward Certificates: You can redeem your points for $5 reward certificates for every 250 points earned.
- Fraud Protection: The card offers $0 fraud liability protection, which means you won’t be held responsible for unauthorized charges on your card.
- Credit Reporting: It provides monthly credit bureau reporting, which can help build or improve your credit score.
However, it’s important to note that compared to some other credit cards, the Best Buy® Credit Card has fewer benefits. Therefore, it’s advisable to explore other store credit card options and carefully consider your choices before making a decision.
Does the Best Buy Credit Card offer extended warranty protection?
The Best Buy Credit Card and the Best Buy Store Card do not provide extended warranty protection. However, Best Buy offers its own protection plan that customers can purchase separately to extend coverage beyond the manufacturer’s warranty. This protection plan is not free and is different from the extended warranty benefits offered by some credit cards.
If you are looking for a credit card with extended warranty protection, consider the Amazon Credit Card. This card extends the warranty by up to one year for U.S. manufacturers’ warranties of 3 years or less. Additionally, the Amazon Credit Card offers rewards, with 1 to 5 points earned per $1 spent on purchases, has no annual fee, and generally requires a good credit score for approval.
How can I get my Best Buy Credit Card number without the physical card?
To obtain your Best Buy Credit Card number without the physical card, you cannot do so directly. The card typically arrives in 1-3 weeks after approval. However, you can still use your approved account for in-store purchases by verifying some information at the register.
Additionally, you can add the card to your BestBuy.com account and use it for online shopping before receiving the physical card. To do this, visit the credit card page, click “Check Application Status,” and follow the prompts to link the card to your profile.
What’s the Best Buy Credit Card interest rate?
The Best Buy Credit Card has a standard interest rate of 31.49% (variable) for purchases. This same rate applies to both the Best Buy Store Card and the Best Buy Gold Visa Credit Card. There are also promotional financing options available at times, with 0% APR for 12 to 24 months on select purchases.
Here are the interest rates for Best Buy Credit Cards:
- Standard Rate: 31.49% (variable) – This is the regular interest rate for purchases on all Best Buy credit cards.
- Balance Transfers: 31.49% (variable) – You can transfer balances only with the Best Buy Credit Card and the Best Buy Gold Visa Credit Card, with a 5% fee (minimum $15) per transfer.
- Cash Advances: 29.99% (variable) – Cash advances are possible only with the Best Buy Credit Card and Best Buy Gold Visa Credit Card, and they come with a fee of 5% (minimum $10).
- Deferred Interest: 0% for 12 to 24 months – This is a special rate available for specific purchases on all Best Buy credit cards. If you pay off the full purchase amount before the promotion period ends, you won’t incur any interest. However, if you miss a payment due date, interest will be applied to the entire original purchase amount.
Deferred interest plans include:
- 11.90% APR for select purchases eligible for the 48-month reduced rate credit plan.
- 8.99%-12.99% APR for select purchases eligible for the 36-month reduced rate credit plan.
- 0%-11.99% APR for select purchases eligible for the 24-month reduced rate credit plan.
- 0% for up to 36 months: These offers are not always available and are limited to specific merchandise. Eligible items will be marked online, and you can inquire about them in-store.
If you have a significant Best Buy purchase that you can’t pay off in one billing period, consider a 0% credit card not tied to a retailer for better options. It’s crucial to pay down your balance on time and in full before the interest-free period ends with a Best Buy Credit Card to avoid retroactive interest charges.
What is the Best Buy Credit Card bonus offer?
The Best Buy Credit Card bonus offer provides cardholders with extra points when making purchases. Here’s how it works:
- On the first day of using the card within 14 days of opening an account, you earn 2.5 points for every $1 spent, resulting in a total of 5 points per $1 spent on that day.
- After the initial bonus period, cardholders continue to earn 2.5 points per $1 spent when making purchases at Best Buy, whether in-store or online.
- Members of the Best Buy Elite Plus loyalty program receive an extra half-point bonus for every $1 spent at Best Buy.
- This 5-point signup bonus applies to both the Best Buy Visa Credit Card and the Best Buy Store Card. However, additional bonuses like 1.5 points per $1 spent at gas stations and 1 point per $1 spent at restaurants and bars are exclusive to those approved for the Visa version. All other purchases outside of Best Buy earn 1 point for every $2 spent.
- Points earned with the Best Buy Credit Card are in the form of Best Buy rewards certificates, which can only be used for in-store or online purchases at Best Buy.
- As an alternative to the bonus, cardholders can choose “flexible financing,” which allows them to defer interest on in-store or online purchases for 12 to 48 months. But be cautious, as failing to pay in full before the promotional period ends can result in expensive interest charges.
How can I pay my Best Buy Credit Card?
To pay your Best Buy Credit Card, you have several options:
- Online: Log in to your online account and click “Make a Payment.” Specify the amount, date, and payment source.
- Phone: Call 1-888-574-1301 and follow the prompts to enter your card information.
- Text Message: Text “PAY” to 81964 from the mobile device linked to your My Best Buy Credit Card. You’ll receive instructions to specify the payment amount and source.
- Mail: Send a check or money order (no cash) to one of these addresses:
- My Best Buy Credit Card Payments P.O. Box 78009 Phoenix, AZ 85062-8009
- Express Payments: Attn: Consumer Payment Dept. 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213 Include your credit card number on the check and send it 5-7 days before the due date.
- In-Store: Visit any Best Buy store during regular business hours to make a payment.
You can also set up automatic payments for convenience. These payment methods apply to both the Best Buy Credit Card and the Best Buy Store Card.
What bank issues the Best Buy Credit Card?
The Best Buy Credit Card is issued by Citibank. This credit card is designed for people with good credit and has benefits like earning 10% back in rewards on your first-day purchases within the first 14 days of opening the account, along with 0.5 – 2.5 points for every $1 spent on purchases. It also offers a 0% introductory APR for 12 – 24 months, and there is no annual fee associated with this card.
What are my Best Buy credit card approval odds?
Your Best Buy credit card approval odds depend on several factors, including your credit score, income, and existing debts. Generally, if you have a good to excellent credit score (typically above 670), a stable income, and a reasonable debt-to-income ratio, your chances of approval are higher.
It’s important to note that Best Buy’s credit card issuer, Citibank, considers these factors when making approval decisions.
Your chances of getting approved for a Best Buy® Credit Card are quite good if your credit score is at least in the “good” range. However, specific approval criteria can vary, so it’s best to apply and see if you qualify. Keep in mind that each credit application can impact your credit score, so consider your financial situation before applying.
There are two types of Best Buy credit cards: the Best Buy® Credit Card and the Best Buy® Store Card, which can only be used at Best Buy. If you don’t qualify for the Best Buy® Credit Card, you’ll automatically be considered for the Best Buy Store Card, which requires a slightly lower credit score. However, there are additional factors to consider when applying for a Best Buy® Credit Card:
- Credit Score: For the Best Buy Store Card, a fair credit score is generally sufficient. For the Best Buy Visa Credit Card, a good credit score is typically required.
- Age: You must be at least 18 years old (or 21 in Puerto Rico) to apply.
- Mailing Address: Your mailing address must be located within the United States.
- Social Security Number (SSN): You need an SSN to apply for these cards; an Individual Taxpayer Identification Number (ITIN) cannot be substituted.
- Income: Your income plays a significant role in the approval process. The amount of money you earn is an important factor.
Before applying for a Best Buy® Credit Card, it’s a good idea to check your credit score. If your score is below 640, consider working on improving it before applying. Even a small improvement in a short time can make a difference. If your credit needs more significant repair, you might want to consider getting a secured credit card and using it to rebuild your credit until you reach the “fair” credit range.
Can I pay my Best Buy Credit Card in the store?
Certainly! You can make payments for your Best Buy Credit Card at any Best Buy store during regular business hours.
You can use either cash or a check to make the payment. Simply approach a cashier or visit the customer service desk, and they will assist you in looking up your account and processing your payment. This option is available not only for the Best Buy Credit Card but also for the Best Buy Store Card and the Best Buy Gold Visa Credit Card.
It’s important to note that the Best Buy Credit Card offers various other payment methods. In addition to in-store payments, cardholders can pay their bills online, through the mail, or by phone at (888) 574-1301.
What’s the Best Buy Credit Card payment address?
The payment address for the Best Buy® Credit Card and Best Buy® Gold Visa Credit Card is:
My Best Buy Visa Card Payments
P.O. Box 78009
Phoenix, AZ 85062-8009
For the Best Buy® Store Card, use this address:
My Best Buy Credit Card Payments
P.O. Box 9001007
Louisville, KY 40290-1007
It’s important to send your payment at least 7-10 business days before the due date to avoid late fees when mailing it. If you need faster processing, you can pay online, over the phone at (888) 574-1301, in person at a Best Buy store’s customer service desk, or by text (send “PAY” to 81964). For overnight or express payments, the address is the same for both card types:
My Best Buy Visa Card Overnight
Attn: Consumer Payment Dept.
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Sending payments via mail is the slowest method, so it’s best to plan accordingly to avoid late fees.
Is there an annual fee for the Best Buy Credit Card?
The Best Buy Credit Card does not have an annual fee, which means you don’t have to pay any yearly charges just for having the card. It’s a good choice if you want to improve your credit score, but remember to use it occasionally to prevent it from being closed due to inactivity. This card is part of the Visa network, so you can use it wherever Visa credit cards are accepted.
However, it’s important to be aware of its deferred interest plan. To avoid high interest charges, make sure to pay your balance in full before the reduced rate period ends. While there’s no annual fee, there are other fees to consider, such as a 5% (minimum $10) cash advance fee and a late fee of up to $35. The absence of an annual fee can help offset these additional costs.
If you apply for the Best Buy Credit Card and are not approved, you may be considered for the Best Buy Store Card or the Best Buy Gold Visa Credit Card. So, it’s a good idea to check your credit score before applying. Additionally, the Best Buy Credit Card offers 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days, which can save you money if you’re a regular Best Buy shopper and use the card responsibly.
How long does it take to get approved for the Best Buy Credit Card?
The time it takes to get approved for the Best Buy Credit Card can vary. If you meet the approval criteria and your identity is immediately verified, you could be approved instantly. However, some applications may need further review, which can take up to 10 business days. Even if you don’t get an instant decision, you still have a chance, and most applicants receive a final decision within 10 business days by mail.
To check your application status, you can do so online or by calling customer service at (888) 574-1301. If your application is approved, you can expect to receive your new card in the mail within 14 days of approval.