Yes, Best Buy lets you split payment across multiple cards at checkout
Best Buy's online store does not have a built-in "split payment" feature that lets you divide one order between two cards in a single transaction. However, you have two practical options: pay with a Best Buy credit card and use its promotional financing, or place separate orders and pay each with a different card.
The most common reason to split payment is to use store credit or a gift card alongside another payment method. Best Buy does allow this combination — you can apply a gift card or store credit to reduce the total, then pay the remaining balance with a debit or credit card. This happens in one checkout, and the order ships as a single purchase.
If you need to divide the cost between two personal cards (not a gift card), you will need to make two separate orders. This means two shipping fees, two tracking numbers, and two separate returns if something goes wrong.
Key Takeaways
- Best Buy gift cards and store credit can be combined with a debit or credit card in a single checkout, reducing what you pay with your card.
- If you want to split payment between two personal credit or debit cards, you must place two separate orders.
- Best Buy's credit card offers promotional financing (often 12 to 24 months interest-free on large purchases), which is a way to spread cost without splitting payment methods.
- Splitting into two orders means paying shipping twice and managing two separate deliveries and returns.
Using a gift card or store credit with another payment method
This is the cleanest split-payment option because it happens in one transaction. During checkout, enter your gift card or store credit code in the field labeled "Gift Card or Promotional Code." Best Buy will deduct that amount from your total immediately.
Then proceed to the payment method section and enter your debit or credit card for the remaining balance. The order processes as one purchase, ships to one address, and appears as a single line item in your account. If you need to return anything, you return the whole order once — the refund goes back to both the gift card (if it was a physical card) and your card in the same proportions.
Best Buy also runs periodic promotions that issue store credit — for example, "spend $100 on tech and get $20 in store credit." That credit appears in your account and works the same way: apply it at checkout to reduce what you pay with your card.
Splitting payment between two personal cards requires two orders
Best Buy's checkout does not allow you to enter two different credit or debit cards for a single order. If you need to split the cost between two of your own cards, you must create two separate orders.
This approach has real costs. You will pay shipping on each order separately — Best Buy's standard shipping is free on orders over $35, but if either order falls below that threshold, you pay the shipping fee. You will also receive two tracking numbers, two delivery windows, and two separate packages (unless the items happen to ship from the same warehouse on the same day).
If you need to return an item, you manage two returns instead of one. If one order arrives damaged and the other does not, you process a return for only the damaged item, which complicates the refund.
Best Buy credit card financing as an alternative to splitting payment
If your reason for splitting payment is to spread the cost over time, the Best Buy credit card offers a simpler path. The card frequently runs promotions like "12 months special financing on purchases of $399 or more" or "24 months on purchases of $1,499 or more." These are interest-free if you pay off the balance within the promotional period.
You apply for the card, get approved (usually instantly online), and use it immediately for your purchase. The entire order goes on one card, one transaction, one shipment. You then pay the card off over the promotional period with no interest charges. This avoids the hassle of two orders and two shipping fees.
Read the terms carefully: if you do not pay off the full balance by the end of the promotional period, interest accrues retroactively on the entire purchase at the card's regular rate (typically 19% to 27% APR). Set a reminder to pay it off before the period ends.
What happens if you try to use two cards in one checkout
Best Buy's system will reject the attempt. When you reach the payment screen, you enter one card's details. If you try to add a second card or switch cards mid-checkout, the system clears the first entry and processes only the second one.
Some readers assume they can enter a card, process part of the payment, then enter a second card for the remainder. This does not work. The payment either goes through on the card you enter, or it fails. There is no mid-transaction switching.
Timing and delivery when splitting into two orders
When you place two separate orders, each one has its own processing and shipping timeline. Best Buy typically processes online orders within one business day. Both orders may ship from the same warehouse and arrive together, or they may ship separately and arrive days apart — there is no way to control this.
If you need items to arrive by a specific date, place both orders at the same time so they have the same processing window. Placing them hours or days apart increases the chance they ship on different schedules.
Best Buy offers expedited shipping (next-day or two-day) for an additional fee. If you split into two orders and want both to arrive quickly, you pay expedited shipping on both orders, which defeats much of the purpose of spreading the cost.
Frequently Asked Questions
Can I use a Best Buy gift card and a credit card in the same order?
Yes. Enter the gift card code during checkout in the "Gift Card or Promotional Code" field. Best Buy deducts that amount from your total, and you pay the remaining balance with your credit card. This all happens in one transaction and one order.
What if I have store credit from a return — can I combine that with a new card payment?
Yes. Store credit works the same way as a gift card at checkout. Apply it to reduce your total, then pay the remainder with your card. The order processes as one purchase.
If I place two orders to split payment, do I pay shipping twice?
Yes, unless both orders exceed $35 (Best Buy's free shipping threshold). Each order is charged separately for shipping. If you use expedited shipping, you pay that fee on both orders as well.
Does the Best Buy credit card charge interest on promotional financing?
No interest during the promotional period (typically 12 to 24 months), but interest accrues retroactively on the full purchase if you do not pay it off by the end of the period. The regular APR is usually 19% to 27%.
Can I return items from two separate orders as one return?
No. Each order has its own return process. If you need to return items from both orders, you initiate two separate returns. Refunds go back to the payment method for each order independently.