Overstock Store Credit Card review February 2018 | finder.com

Review: Overstock Store Credit Card — February 2018

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 700 to 850.

If 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 for Purchases ( Purchase Rate )27.99% variable
Annual fee$0
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 25 days
Returned Payment Fee$38
Minimum Interest$2
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$38
Late Payment Fee$38


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 p.a. 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.com store card comes with a high 27.99% 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 $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.

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 700 or higher.

Compare the Overstock card to other store cards

Rates last updated February 18th, 2018
Name Product APR for Purchases ( Purchase Rate ) Annual fee Product Description
Target REDcard Credit Card
23.90% variable
A no annual fee credit card and discounts when you shop at Target.
Fingerhut Credit Account
25.90% variable
The Fingerhut Credit Account is store-specific, and used to finance purchases made from Fingerhut.com or Fingerhut FreshStart’s catalogue.
Fingerhut Advantage Revolving credit account
25.90% variable
Helps you keep building your credit as you buy great name brand products.
Fingerhut FreshStart® credit account
25.90% variable
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Horizon Gold Card
Get a 500 credit limit to make purchases on the Horizon Outlet website.
NetFirst Platinum
Looking for the best card? You can have it while you build your credit with Horizon Card Services. Get an unsecured line of credit and the best customer service!
Luxe Signature Card
For purchases on HuttonChase.com with a maximum credit limit of $1500.00.
Next Millennium Card
Shop the items you need at myuniqueoutlet.com with up to a $1000 credit.
Emporium Card
Varies by balance. See website for details*
Get a $300 to $5000 instantly to shop 100,000+ items at Emporium.
WALMART® credit card
23.90% variable
Overstock Store Credit Card
27.99% 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 Credit Card screenshot 3
2. Enter your email address and create a password, then click Create Account.
Overstock Store Credit Card screenshot
3. Enter your personal contact information and click Continue.
Overstock Store Credit Card screenshot 2
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

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2 Responses

  1. Default Gravatar
    OliveOctober 2, 2017

    What is deferred interest rate?

    • Staff
      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.