Can You Split Payment at Best Buy? (Yes, Here is How)

Sometimes when you cannot cover your purchase with just one gift card, one credit card, or one checking account, you may want to split your payment among several payment methods.

You can split payments when you make a purchase at Best Buy stores. Just let the cashier know that you want to split payments. Other than their Geek Squad services, subscriptions or protection plans, you can split your payment among any payment method.

When you purchase on BestBuy.com, you can only split your payment between a Best Buy gift card and a debit or credit card.

You can even use multiple gift cards and then put the remaining amount of your order on a credit or debit card. But no other payment combinations are allowed.

Best Buy also offers a no-interest 12 months payment plan if you make your purchase using My Best Buy Credit Card.

Split Payment in Store

You can split payment in a Best Buy store for almost all types of purchases except protection plans, subscriptions, and most Geek Squad services.

All you need to do is to let your cashier know about your wish to split payment before they start to ring up your purchases.

You can even specify the order in which you wish to apply your payment methods to make sure each method has enough balance to cover its portion of the payment.

For example, you can tell your cashier to first use up the balance on your Best Buy gift card, then use up the balance on your prepaid Visa debit card, and then finally put the rest of the purchase amount on your checking account debit card.

This way, you can make sure you have enough balance on your checking account to cover its portion of the purchase and you would not be charged by your bank with any overdraft fee, which typically can cost $35 or $39 per overdraft.

All Best Buy stores accept the following payment methods:

  • Best Buy / My Best Buy Credit Card
  • Best Buy Gift Cards
  • My Best Buy Visa
  • Best Buy for Business Card
  • American Express
  • Discover
  • MasterCard
  • Visa
  • JCB
  • Diners Club
  • My Best Buy reward certificates
  • Best Buy Commercial Card
  • Vendor coupons
  • Personal checks, business checks, or cashier’s checks
  • Cash

You can split your purchase into any combination of any payment methods listed above in any order you want. Just let your cashier know.

Split Payment Online

You can split payment on Best Buy online, but there are limits. You can only split your online Best Buy order between a Best Buy gift card and a debit or credit card.

You can even use multiple gift cards and then put the remaining amount of your order on a credit or debit card. But no other payment combinations are allowed.

For example, you cannot use more than one credit or debit card on a single Best Buy online order. Also, you cannot combine PayPal and a credit or debit card either.

Related: Does Best Buy Accept PayPal?

To split your Best Buy online order between one or multiple Best Buy gift card(s) and a debit or credit card, follow the instructions below:

  1. Go to the Best Buy website BestBuy.com
  2. Add products you want to buy to your online shopping cart
  3. When you are ready to checkout, click on the shopping cart icon in the upper right corner of the screen
  4. Click on the yellow Checkout button
  5. Sign in to your Best Buy account with your email address and password. Alternatively, if you do not have a Best Buy account, you can check out as a guest by clicking on the Continue as Guest button
  6. Select a Best Buy store close to you and click on either the In-store or Curbside button to select your method for order pickup. Alternatively, you can choose to have your purchase delivered to you by clicking on the Switch to Shipping link
  7. In the next screen, click on the text Use a Best Buy Gift Card, Discount Code or Store Credit to pay with a Best Buy gift card
  8. In the fields that appear, enter the card number of your Best Buy gift card and the 4-digit PIN printed on the back of the gift card
  9. Click on the Apply button
  10. Your Best buy gift card will be used to pay for your order
  11. You can repeat Step 8 and Step 9 as many times as you want to use multiple gift cards in one order
  12. If the (total) balance on your gift card(s) is not enough to cover the total amount of your order, Best Buy will charge the remaining amount to your primary form of payment listed in your Best Buy account, or to another acceptable form of payment at your request.
  13. If the total cost of the order is less than the (total) balance on your gift card(s), any unused balance will remain on the last gift card you entered

After you have applied your Best Buy gift card(s) for payment, you can put the remaining amount of your purchase on any one of the following payment methods:

  • Best Buy / My Best Buy Credit Card
  • My Best Buy Visa
  • Best Buy for Business Card
  • American Express
  • Discover
  • MasterCard
  • Visa
  • JCB
  • Diners Club
  • PayPal

Does Best Buy Allow Monthly Payment?

Yes, but you need to use Best Buy’s store credit card, My Best Buy Credit Card, for your purchase.

Note that My Best Buy Credit Card is not a general credit card and can only be used for purchases in Best Buy stores or on the Best Buy website.

There is a different version of Best Buy credit card, called My Best Buy Visa, that is a general credit card. You can use My Best Buy Visa anywhere Visa is accepted. However, My Best Buy Visa does not offer any no-interest monthly payment plan.

Back to the My Best Buy Credit Card, if you use it to pay for a Best Buy purchase that is $299 or more, you can in effect get a no-interest monthly payment plan. You will not need to pay any interest at all as long as you:

  • Make a payment every month before you pay off your purchase in full
  • Pay off your purchase in full within 12 months of your purchase

However, there is a big catch with this monthly payment plan – if you do not pay off your purchase in full within 12 months of your purchase, you will be charged interest retroactively

In other words, if the purchase is not completely paid off within 12 months, Best Buy will go back 12 months ago to the date of your purchase and start calculating interest from that date on.

So, if you ever use this no-interest monthly payment plan from Best Buy, make sure you pay it off by month 12. Otherwise, you will be hit with a big interest bill after that.

My Best Buy Credit Card also offers rewards, with the rewards level vary depending on your level in Best Buy’s loyalty shopper program – My Best Buy.

There are 3 types of memberships of My Best Buy based on purchase volume:

  • Core: Any member of My Best Buy starts as a Core member
  • Elite: Anyone can become an Elite member by spending $1,500 at Best Buy or BestBuy.com or spending $1,500 on My Best Buy Credit Card during a calendar year
  • Elite Plus: Anyone can become an Elite Plus member by spending $3,500 at Best Buy or BestBuy.com or spending $3,500 on your My Best Buy Visa during a calendar year

To join the My Best Buy program, follow the steps below:

  1. Go to the My Best Buy homepage
  2. Click on the Create an account link
  3. Fill out the application form and click on the Create an Account button

My Best Buy Credit Card offers the following rewards:

  • When you choose standard credit (as opposed to the 12 months no interest payment plan) with your My Best Buy Credit Card, you would get:
    • One-time reward: 10% back in rewards on your first day of purchases within the first 14 days of account opening
    • Ongoing rewards:
      • Core or Elite My Best Buy members: 5% back in rewards when you choose standard credit
      • Elite Plus My Best Buy member: 6% back in rewards when you choose standard credit

To apply for a My Best Buy Credit Card, follow the instructions below:

  1. Go to the My Best Buy Credit Card homepage
  2. Click on the Apply Now button
  3. Sign in to your Best Buy account with your email address and password
  4. Fill out the online application form

To check the status of your My Best Buy Credit Card application:

  1. Go to the My Best Buy Credit Card homepage
  2. Click on the Check your application status link
  3. Fill in your date of birth, social security number, and zip code
  4. Click Submit

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