Can I Pay My Best Buy Bill With a Gift Card?

Best Buy gift cards make great gifts for the techies in your life. The wide selection of electronics and appliances at Best Buy means a gift card gives them options to get what they really want. But did you know Best Buy gift cards can do more than just shop for gadgets? You can also use them to pay your Best Buy credit card bill.

Below I’ll explain how paying your Best Buy credit card with a gift card works. I’ll cover:

• What types of Best Buy gift cards you can use
• The pros and cons of paying your bill with a gift card
• Step-by-step instructions to make a gift card payment
• Tips to maximize the value of your Best Buy gift cards

Let’s dive in!

Types of Best Buy Gift Cards That Work

Most Best Buy gift cards can be used to pay off a credit card bill, but not all of them can:

• Physical Gift Cards – These are the plastic gift cards you can purchase in-store or online They can be used to pay your bill as long as they have a balance

• Digital Gift Cards – eGift cards emailed to recipients work the same as physical ones. Apply their balance to your credit card.

• My Best Buy Rewards Certificates – Rewards certificates earned through Best Buy’s loyalty program are treated as gift cards. Use them to pay your bill.

The only gift cards that can’t pay a credit card balance are Play, Dine, or Getaway gift cards. These specialized options have restricted uses

Any regular Best Buy gift card will work, whether it’s paper or digital. You can use it to pay off your credit card. This gives you flexibility when you have gift cards lying around.

The Pros and Cons of Using Gift Cards

There are pros and cons to using Best Buy gift cards to pay your credit card bill that you should think about:

Pros

• Avoid Gift Card Expiration – Best Buy gift cards expire after 2 years. Using them for your bill ensures they get used.

• Earn Rewards – Paying your credit card with a gift card still earns My Best Buy rewards points.

• Reduce Debt – Applying gift cards lowers your overall credit card balance.

• Save Cash – You can conserve cash by using gift cards instead of real dollars to pay your bill.

Cons

• No Credit Card Rewards – When paying with gift cards, you don’t earn rewards points or cash back like you would by paying with your credit card.

• More Accounting – You have to calculate how much of your bill to pay with gift cards versus your normal payment methods.

• No Protection – Gift cards lack the purchase protections and insurance benefits of credit cards.

Overall, using Best Buy gift cards to pay your bill can save you money and reduce debt if done strategically. The pros seem to outweigh the cons in most cases.

Step-By-Step Guide on Making a Payment

Ready to put your Best Buy gift cards towards your credit card balance? Here are step-by-step instructions:

1. Log in to your BestBuy.com account and go to Your Account > Payment Methods.

2. Under Gift Cards, click “Apply Gift Card to Credit Card.”

3. Enter the gift card number and PIN if applicable. Click “Apply to Account.”

4. On the payment screen, enter the amount to pay with the gift card.

5. Select whether this is a one-time or automatic monthly payment.

6. Click “Continue” then “Confirm Payment” to process the gift card payment.

You can pay as much of your bill as you want using gift cards. The remaining balance can be paid with another payment method.

Make sure to check your account profile to see the gift card payment credited. It may take 1-2 billing cycles to update your available credit.

Tips for Maximizing Best Buy Gift Cards

Follow these tips to get the most value from your Best Buy gift cards:

• Check the balance before paying your bill so you know exactly how much is available on the card.

• Use gift cards first before they expire. Don’t hoard gift cards since they’re only usable for 24 months.

• Pay in store to immediately reduce your bill, or pay online for convenience. Both options work equally well.

• Combine rewards by earning points on the non-gift card portion of your payment.

• Ask for gift receipts when receiving gift cards so you can exchange unusable ones for eligible options.

• Reload gift cards with more funds instead of buying new ones to consolidate balances.

Using Best Buy gift cards strategically lets you maximize their value and minimize stale balances.

Can You Provide Payment Details?

To summarize, most Best Buy gift cards can be applied to credit card statements through the website or in stores. The process is quick and easy. Simply enter the gift card number and PIN during payment to put its balance towards your bill.

This allows you to reduce balances faster while avoiding gift card expiration. Just be aware that paying with gift cards means missing out on credit card rewards and protections. Use my tips to combine gift cards and credit card payments in a way that optimizes value.