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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.


Welcome offer


Annual fee


Purchase APR (variable)


Recommended credit score


Product NameOverstock Store Credit Card
Annual fee$0
Purchase APR28.49% variable
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$0


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 28.49% 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 $39.

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

From Santa Suits to Ugly Christmas Sweaters, Party City has everything you need this holiday season

Restrictions apply

Last verified

Get deal

Deal ends

See more promo codes

Compare the Overstock Store Credit Card to other store cards

Updated December 12th, 2019
Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Target REDcard™ Credit Card
24.65% variable
A no-annual-fee credit card and discounts when you shop at Target.
CardMatch™ from creditcards.com
See terms
See issuer's website
Can't decide on a card? Get personalized credit card offers with CardMatch™.
WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.
Montgomery Ward credit
5.75% to 25.99% fixed
Buy now, pay later — low monthly payments make shopping easier
Midnight Velvet Credit
5.75% to 25.99% fixed
Low monthly payments and no annual fees.
The Swiss Colony Credit
5.75% to 23.99% fixed
Earn higher limits with timely payments.

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 $39.
  • 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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  1. Default Gravatar
    October 2, 2017

    What is deferred interest rate?

    • Avatarfinder Customer Care
      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.


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