Can You Split Payment at Best Buy?(Yes! How It Works)

Split Payment at Best Buy

Can You Split Payment at Best Buy?

Best Buy has been around since the 1960s, and it takes pride in offering an unbeatable customer experience with low prices.

The company offers more than just electronics; customers can also find appliances, computers, tablets, TVs, and cameras, among other things.

If you want to know where to go for home theater systems or just about anything else under the sun, then Best Buy is your destination.

Can You Split Payment at Best Buy?

Yes. Split your purchase into multiple payments at Best Buy.

How It Works

BestBuy accepts two forms of payment for purchases made with a credit card, either signature or PIN-based.

You will need to swipe a credit card to process either type of transaction. To allow the use of split transactions.

You’ll first have to enable the option on your account with them by calling their customer service number and requesting so.

After that, the next step is just swiping your card as usual upon checkout, but instead – specifying how much you’d like to put toward which form of payment upfront.

You can split payment in any way you’d like, including splitting the total purchase price equally between two different credit cards.

Can I Pay With Two Different Cards On Best Buy?

Yes. Best Buy allows customers to pay for purchases with multiple credit cards. If the customer has enough credit available on their respective card.

They can split up their total purchase among two or more credits.

The only limitation is that each transaction cannot exceed $2,000, and all transactions must have completion by 11:59 p.m. CST of the same day.

Each transaction also needs approval from the issuing party and Best Buy’s authorization system.

In order to avoid declined transactions, it’s recommended that each card have a minimum of $100 available credit and a low spending limit.

(Preferably less than what it would take to complete a single transaction). In addition, there are typically lower limits for international/non-US transactions.

Do Best Buy Stores Accept Apple Pay?

No. Best Buy doesn’t accept Apple Pay at present. However, you can still buy with your iPhone or iPad using the company’s mobile App.

Best Buy is planning to accept Apple Pay this year but hasn’t yet provided details.

You can still use the same mobile App to order items online and then pick them up at the store (or buy online and get them shipped to your home).

You can also choose in-store pick-up for items ordered through the Best Buy mobile App.

Depending on location, shipping takes 1-2 days, with no extra shipping costs beyond base rates or membership fees associated with other services like ShopRunner.

Does Apple Accept Afterpay?

Yes. Apple accepts Afterpay. Afterpay is a service that lets you buy now and pay later for purchases of $200 or more, charging no interest.

It works with participating retailers in three easy steps:

  •  Add your eligible items into your cart.
  •  Check out using Afterpay and select four weekly payments with 0% interest
  • Complete the checkout process and receive an instant order confirmation.

Apple is one such retailer that accepts Afterpay as a form of payment, alongside other major brands like Bunnings, JB Hi-Fi, Supercheap Auto, and many more.

How Do I Use Two Cards On Best Buy?

Are you looking for a new credit card? Best Buy has two cards that can help save you money on your next purchase.

My Best Buy Credit Card is the first one, which gives shoppers 5% back in rewards on all purchases made at Best Buy and 1% back everywhere else.

The second one is My Best Buy Visa, which offers 2 points per $1 spent at Best Buy and 1 point per $1 spent elsewhere.

If you have an interest in either of these options, here’s how to use them both.

Open both cards. Make sure you activate My Best Buy Credit Card and My Best Buy Visa before your purchase.

Split Payment at Best Buy

You cannot apply for either card through Best Buy, so it’s important to open them online or over the phone ahead of time.

You can find the visa application here. Once your cards open, go to any Best Buy store location to make your purchase(s).

To use one of your cards for all purchases: Make sure you inform the cashier which card (s) you want to use before they swipe.

To use one of your cards for specific types of purchases:

Split up the transaction between your two cards by telling the cashier that you would like to split up your purchase and which card(s).

You would like to charge each portion of the purchase. For example, if you have $100 worth of items, let’s say $75 will go on one card and $25 will go on the other.

To do this, tell them, “I’d like to split up my purchase, so $75 goes on this card, and $25 goes on this card.”

Remember, it is essential to say ‘card,’ not just ‘credit.’ If you don’t specify which credit card you would like to use, they will charge both cards the total amount.

Once your purchase is complete and you have received your receipt, go online and log in to your account for both credit cards.

If you split up a purchase across two cards, then make sure that each card has access to the correct portion of the purchase.

To do this, click on ‘Invoices & Statements’ at the top of any page in your Best Buy Credit Card account.

From there, you can see all past transactions, including those where a portion got placed on a different card.

You will also need to update each card’s credit limit by going into “My Account” from either website or App and clicking “Update Credit Limit.”

Can You Pay In Cash At Best Buy?

Yes. Best Buy will deduct a “cash discount” from the purchase price if you pay in cash. This is no different from asking for cashback at any store with a point-of-sale computer system.

There are some exceptions. For example, the cash discount cannot apply to any phone or mobile broadband card;

Nor can it apply to any promotional financing purchase in which Best Buy is the lender.

Also, note that if your purchase exceeds $250 before tax, you must show a photo ID to prove that you are of age to make purchases with cash.

What Check System Does Best Buy Use?

Best buy uses the Certegy check system. Certegy is a check system used by many businesses in the United States, most notably Best Buy.

This check system has stringent confidentiality requirements.

It prohibits anyone who owns or works for a business that uses Certegy from saying which company they work for, even if they were to be directly asked about it outright.

This, and many other things I found out while researching how Certegy works, makes me believe that this is the check system Best buy uses.

To further support this, I will give some other information about Certegy.

Can I Use A Gift Card And Credit Card On Best Buy?

Yes. You can use gift cards and credit cards on Best Buy.

Steps for using a gift card: In the “summary” tab of your order, you will see a field labeled “GIFT CARD ID.”

Copy this number, open your gift card email from and paste the number into the blank in the center of their page.

When you click next, they will charge it directly to your credit or debit card.

Note that if you only have a gift card balance, it won’t let you use it unless your order goes over $5 since there is a 5 dollar minimum per transaction.

But, if you have enough left on the gift card for another purchase immediately after;

Place two orders back-to-back and use the gift card for one and your credit or debit card for the next.

Steps for using a credit card: In the “summary” tab of your order, you will see a field labeled “CREDIT CARD NUMBER.”

Enter this number, then click next as usual. It will be directly charged to your credit card.

Note that if you do not have enough on your gift card balance, it won’t let you use it unless your order goes over $5 since there is a 5 dollar minimum per transaction.

But, if you have enough left on the gift card for another purchase immediately after, place two orders back-to-back and use the gift card for one and your credit card for the next.

Note: Though they do not currently have this feature, you can use the “Debit Card” option on their website. This page will allow you to select which debit card or prepaid card.

The downsides are that most PayPal accounts are also linked with a debit card.

So if your account is already linked to your debit card, it may automatically assume it’s one when you try to buy something.

Also, Best Buy only accepts physical cards at this time, so they don’t accept virtual or direct checking cards.

They can accept those in the future, though. Besides those two things, it works as any other credit/debit purchase would and should.

How Do I Pay My Best Buy Promotional Balance?

You pay for your best buy promotional balance by the end of the financial period.

If you buy a product and enrol in Best Buy’s promotional financing program, you will immediately see the amount of your purchase plus taxes divided into equal instalments.

The electronic charge to your credit card or bank account will automatically make these payments each month for the amount specified on your agreement.

The payment dates and amounts that appear on your contract depend upon which deferred-interest plan you choose:

0% interest until paid in full means you have no interest if all purchases get paid by the end of the designated period.

If not, finance charges will accrue from the purchase date at a rate of 19.99% APR for up to either 24 months (for television purchases);

12 months (for other purchases), or five months (for Geek Squad purchases) from the purchase date.

The due dates amount financed and annual percentage rates for a 0% interest until paid in the complete agreement in your contract.

The Example Payment Table provides an example of these payments’ calculations when you buy a television with your deferred-interest plan.

Can You Use A Best Buy Gift Card Anywhere Else?

No. You can use a Best Buy card in Best Buy stores, at, and on the phone with customer service. You cannot use it elsewhere.

Suppose you buy a gift card elsewhere or receive one as a gift.

In that case, it may not work in any of the places mentioned above.

It’s likely that someone has entered an email address during the initial redemption process that does not match your email address (which is a need when using the card online).

Conversely, if there was no email address in the initial redemption process when you received your gift card/card number.

Then whoever gave it to you will need to know which store you to make purchases to use it.

Can I Use A Best Buy Credit Card On Amazon?

No. You cannot use a Best Buy credit card on The only way to use your Best Buy credit card is for you to buy items at a Best Buy store or the official BestBuy website.

Using the “Best Buy” credit card on unauthorized websites will cause the compromise of your information and stolen by hackers, exposing yourself to identity theft.

However, do not use this method if you are interested in receiving internet fraud because it can lead to legal consequences for you.

There are many other ways to save money on purchasing their favorite products.

However, using “Best Buys” own credit cards is not recommended, as there are plenty of alternative methods that don’t endanger your financial security.

For example, Best Buy offers a “My Best Buy” card for its rewards members, and they also offer coupons you can use with this card.

Also, one can often find an email or a coupon code they can use on their website to avail of special offers and discounts.

These are just some of the many other alternatives you have when saving money on your online purchases.

With so many alternative methods available;

I recommend you not to use your “Best Buy” credit cards in such an illegal way because it might lead people like you into deeper trouble than what you expect.


To make your grocery shopping quick and painless, you may have an interest in the following options.

For example, if you’re using a Best Buy credit card to buy groceries at Walmart with Afterpay or Apple Pay on Amazon Prime Now.

Then click here for more information about how this can work for you.

Or perhaps you want to know what kind of check system Best Buy uses to not interfere with your current banking account.


Hi! I' am Tom. I was a manager in one of the biggest stores for over 10 Years, am also an SEO by night. I don't like to call myself a blogger; they are very analytical, do email marketing, and know all SEO stuff. I faced many questions from customers about different products, and there was hardly any help on the internet. After learning all the things about these products as a manager the hard way, I decided to start a blog and help other people.

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