B&H Payboo Credit Card

Payboo is B&H Photo Video's store credit card that offers a unique 'tax savings' benefit. When you use the Payboo card for purchases at B&H Photo, you receive a statement credit equal to the sales tax amount charged on your order, effectively making your purchase 'tax-free'. The card is issued by Comenity Capital Bank.

The Payboo card can be worth it if you frequently shop at B&H Photo for expensive electronics, cameras, or computers. The tax savings (typically 4-10% depending on your state) can be significant on high-value purchases. However, it's only usable at B&H Photo, has a relatively high APR if you carry a balance, and the 'tax savings' is technically a statement credit rather than actual tax exemption.

When you make a purchase at B&H Photo using your Payboo card, the sales tax is initially charged to your card like any other transaction. Within a few days, you receive a statement credit equal to the tax amount, effectively reimbursing you for the tax paid. This means you still technically pay tax (B&H collects and remits it), but you're credited back.

No, the B&H Payboo Credit Card can only be used at B&H Photo Video (bhphotovideo.com and their NYC store). It's not a general-purpose credit card. The tax savings benefit only applies to B&H purchases. For general spending, you would need a different credit card.

You can connect your B&H Payboo Credit Card account to budgeting and financial apps through Plaid, which supports Comenity Bank accounts. This allows you to track your Payboo spending, payments, and statement credits in apps like Mint, YNAB, or Personal Capital alongside your other financial accounts.