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Review: Overstock Store Credit Card

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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.

$30

Welcome offer

$0

Annual fee

26.99%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameOverstock Store Credit Card
Annual fee$0
Purchase APR26.99% variable
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $40
Additional cardholder fee$0

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.

Benefits

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 …

  • $0 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 26.99% 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 $40.

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.

Save more at Overstock.com

Flash deals are almost always available at Overstock.com, with most offers lasting for 24 hours before they disappear. The company also holds an Anniversary Sale every October, then comes back with big deals for the holiday season in November.

Other times of year, keep your eyes peeled for promo codes and other special savings.

Overstock.com Overstock.com

Save up to 70% on thousands of items + free shipping on everything

T&Cs apply.

Last verified

See more promo codes

Compare the Overstock Store Credit Card to other store cards

Data indicated here is updated regularly
Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Costco Anywhere Visa® Card by Citi
$0
15.24% variable
740
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
CardMatch™ from creditcards.com
See terms
See issuer's website
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Seventh Avenue Credit
$0
5.75% to 25.99% fixed
300
Buy now, pay later with payments as low as $20 a month.
Net First Platinum
Up to $299.40
N/A
300
Build your credit history with an unsecured line of credit.
Horizon Gold
Up to $299.40
N/A
300
Get a $500 credit limit and no interest on purchases when you shop at the Horizon Outlet with this unsecured card.
Merit Platinum
$299.40
N/A
300
Apply with no credit or bad credit, for use on the Horizon Outlet website.
Montgomery Ward Credit
$0
5.75% to 25.99% fixed
300
This no-annual-fee store card offers a potentially low APR and low minimum payments for purchases made at the Montgomery Ward online store.
Country Door Credit
$0
5.75% to 25.99% fixed
300
Decorate now, pay later with monthly payments as low as $20, easy account set-up, no annual fees and zero fraud liability.
Monroe & Main Credit
$0
5.75% to 25.99% fixed
300
Wear now, pay later.
Ginny’s Credit
$0
5.75% to 25.99% fixed
300
Buy now, pay later when shopping online at Ginny's.
Midnight Velvet Credit
$0
5.75% to 25.99% fixed
300
Low monthly payments and no annual fees.
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Compare up to 4 providers

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 $40.
  • 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

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2 Comments

  1. Default Gravatar
    Olive
    October 2, 2017

    What is deferred interest rate?

    • Avatarfinder Customer Care
      Jhez
      October 3, 2017

      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.

      Regards,
      Jhezelyn

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