Overstock Store Credit Card review December 2018 | finder.com

Review: Overstock Store Credit Card — December 2018

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Overstock Store Credit Card

Get introductory benefits for overstock purchases with this card.

  • Get this card if you frequently buy from Overstock.com and are looking for additional rewards for your spending.
  • Pick something else if you don’t use Overstock.com.
  • Recommended good to excellent credit range of 580 to 850.

f you already take advantage of the low-cost brands, home goods and more on Overstock.com, you’ll like the Overstock Store Credit Card. It comes with 10% off your first purchase of up to $5,000 with the Internet retailer, special financing for the first two years of card use and special promos just for cardholders.

Product NameOverstock Store Credit Card
APR (Annual Percentage Rate) for Purchases28.74% variable
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Additional Cardholder Fee$0
Minimum Age18 years of age


This no-fee card is a no-brainer if you love to shop for discounts on Overstock.com.

  • 10% off your first purchase.
    Use your card for 10% off your first purchase of up to $5,000 — a potential $500 in savings.
  • Special financing.
    Defer interest on your purchases of up $3,000 for up to seven years.

You’ll also like …

  • annual fee.
    This card is free to own.
  • Special promos just for members.
    Get announced perks throughout the year as a cardholder.

What to watch out for

  • High interest rate.
    The Overstock Store Credit Card comes with a high 28.74% variable APR, so consider paying off your card balance each month.
  • Limited awards.
    Once you use up the 10% signup bonus, the card offers no other rewards.
  • Fees for late and returned payments.
    For each late or returned payment, you’ll pay a fee of up to $38.

Consider other cards if…

You don’t shop often at Overstock.com. This is a store credit card that you can use only at Overstock.com, so if you’re not an Overstock regular, consider picking a credit card you can use elsewhere.
Compare Comenity credit cards

What should I know before I apply?

To apply for Overstock Store Credit Card, you must be:

  • At least 18 years old.
  • A legal resident of the US.

You’ll need to submit personal and financial information that includes:

  • Your full name and personal contact information.
  • Proof of stable employment.
  • Your date of birth and Social Security number.

What credit score do I need?

You’ll have a better chance of being approved for the Overstock Store Credit Card if you apply with a good to excellent credit score of 580 or higher.

Compare the Overstock Store Credit Card to other store cards

Updated December 19th, 2018
Name Product Filter values APR (Annual Percentage Rate) for Purchases Annual Fee
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
See issuer's website
The Fingerhut Credit Account is store-specific and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart's catalogue.
See issuer's website
Apply Today, Buy Today

Build your credit history with us

Low monthly payments

Trusted brand names

See issuer's website
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
Build your credit history with an unsecured line of credit.
Shop the items you need at myuniqueoutlet.com with up to a $1,000 credit.
24.65% variable
Save 3% on purchases made at Walmart.com including grocery pickup.
28.74% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

How to apply for the card

1. Go to Overstock.com and find the Overstock Store Credit Card. Click Apply.
Overstock Store homepage screenshot
2. Enter your email address and create a password, then click Create Account.
Overstock Store create account or login page screenshot
3. Enter your personal contact information and click Continue.
Overstock Store personal info page screenshot
4. Continue through the steps, entering your financial information and other details as requested. Submit your application.

How long will it take to be approved?

Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds.

I got the card. Now what?

  • Make payments.
    Register your online account with Overstock.com to manage your spending and payments.
  • Avoid interest.
    At the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees.
    Late and returned payments come with hefty fees of up to $38.
  • Customer service.
    If you have questions, visit the help section on the Comenity Bank website or call 844-271-2526.

Bottom line

If you’re a loyal Overstock.com shopper, you’ll find small perks with this store card.

Common questions about the Overstock Store Credit Card

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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2 Responses

  1. Default Gravatar
    OliveOctober 2, 2017

    What is deferred interest rate?

    • finder Customer Care
      JhezelynOctober 3, 2017Staff

      Hi Olive,

      Thank you for your comment.

      Deferred interest means payment plans that offer to delay (or defer) payment of interest during a specified period of time are deferred interest plans. In the retail sector, these are often advertised as charging “no interest until” a certain date. After that date, however, interest that has been accruing since the purchase date is charged to the account. When a loan’s principal balance increases because of deferred interest, it is known as negative amortization.


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