Microsoft charge to American Express 10/14/2025 and now 03/02/2026 for M360

The October Best Buy renewal and the March Microsoft 365 charge are two separate subscriptions that are both active and billing, which is why two annual charges are appearing.

Based on the context:

1. Retail (Best Buy) product key vs. direct Microsoft subscription
   • The October $99 charge from Best Buy is a retail purchase with a product key. That subscription will not appear in the Microsoft account order history unless the key was redeemed to that specific Microsoft account.
   • The March 2 $129 charge is an annual Microsoft 365 subscription billed directly by Microsoft with recurring billing turned on, which is why it appears in the Microsoft account history.
2. Why both are charging
   • A prepaid subscription bought from a retail store (Best Buy) runs for its term after the key is redeemed. It does not automatically cancel or replace an existing recurring subscription billed by Microsoft.
   • If recurring billing is enabled on the Microsoft 365 subscription, Microsoft continues to bill at the end of each term until recurring billing is turned off or the subscription is cancelled.
3. What to do next
   1. Check which subscription is active and recurring
      • Go to the Subscriptions page and sign in with the Microsoft account used for Microsoft 365.
      • Under Subscriptions, check:
        • Which Microsoft 365 plan is listed.
        • Whether it shows a circle arrow and next charge date (recurring billing on) or Expires on [date] (prepaid term only).
   2. Turn off recurring billing or cancel the duplicate
      • For the subscription billed directly by Microsoft that is not needed, turn off recurring billing or cancel it following the guidance in Cancel a Microsoft 365 subscription (linked from context Q&A).
      • If the Best Buy key was redeemed on the same account, the prepaid term will simply run until it expires; recurring billing can be left off so it does not renew again.
   3. Investigate and dispute the extra charge if needed
      • If the October charge does not appear in the Microsoft account order history, it is likely only on the Best Buy side or redeemed under a different Microsoft account.
      • To verify Microsoft-side charges, review order history and payment options, and use the Investigate option described in I've been charged twice via the Payment options page.
      • If it still appears that Microsoft has billed twice for the same period, follow the steps in How to investigate a billing charge from Microsoft and then request a refund if eligible using How to get a refund on a Microsoft subscription.
4. If charges are on multiple cards or look duplicated
   • If multiple payments appear close together, or on different cards, review the guidance in [I've been charged twice]. Multiple accounts or catch-up payments can make charges look duplicated.
   • If another Microsoft account (for example, a family member) is using the same card, use the Investigate option on the payment options page to locate other accounts using that card.

Because subscription cancellation, refunds, and account-specific investigation require secure tools, any unresolved duplicate billing or refund request must be handled directly with Microsoft Support or the retailer (Best Buy) using the official support and refund flows referenced below.

References:

• Microsoft 365
• Unable to cancel your Microsoft subscription
• How to investigate a billing charge from Microsoft
• I've been charged twice
• Manage recurring billing in the Microsoft 365 admin center
• Find out when your Microsoft 365 subscription expires
• Have been billed multiple times on multiple charge cards for renewal - Microsoft Q&A
• investigate a billing charge - Microsoft Q&A
• Request refund - Microsoft Q&A
• cancel subscription - Microsoft Q&A