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Review: Overstock Store Credit Card

Adrienne Fuller

Last updated: 27 November 2019

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

Annual fee

28.49%

Purchase APR (variable)

580

Recommended credit score

Details

Product Name	Overstock Store Credit Card
Annual fee	$0
Purchase APR	28.49% variable
Balance transfer APR	N/A
Interest free period	Up to 25 days
Late payment fee	Up to $39
Returned payment fee	Up to $39
Additional cardholder fee	$0

Minimum age	18 years of age

Welcome Offer	$30 off when you spend over $300 on your first order without special financing
Rewards	N/A
Rewards Points Expiry	Never

Adrienne Fuller

Adrienne Fuller is the head of publishing at Finder. With a decade of experience creating guides in finance and education, she aims to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. For the past 3 years she has been the publisher of money transfers, helping readers save when they send money all over the globe. She has a BA from Colorado College and loves to hike with her two Catahoula dogs around her home in San Diego.

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 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

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

Restrictions apply

Last verified 20 Nov 2019

Get deal

Deal ends 24 Dec 2019

See more promo codes

Compare the Overstock Store Credit Card to other store cards

Updated December 12th, 2019

Name	Annual fee	Purchase APR	Recommended minimum credit score
Target REDcard™ Credit Card	$0	24.65% variable	580	A no-annual-fee credit card and discounts when you shop at Target.	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com	See terms	See issuer's website	300	Can't decide on a card? Get personalized credit card offers with CardMatch™.	See offer View details	Compare	loading Fetching your data...
WebBank/Fingerhut Advantage Credit Account	$0	29.99% fixed	300	Build your credit history with low monthly payments.	Apply now View details	Compare	loading Fetching your data...
Fingerhut FreshStart® Credit Account	$0	29.99% fixed	300	Get access to purchase items in the Fingerhut store with no overlimit fees.	Apply now View details	Compare	loading Fetching your data...
Montgomery Ward credit	$0	5.75% to 25.99% fixed	300	Buy now, pay later — low monthly payments make shopping easier	Apply now View details	Compare	loading Fetching your data...
Midnight Velvet Credit	$0	5.75% to 25.99% fixed	300	Low monthly payments and no annual fees.	Apply now View details	Compare	loading Fetching your data...
The Swiss Colony Credit	$0	5.75% to 23.99% fixed	300	Earn higher limits with timely payments.	Apply now View details	Compare	loading Fetching your data...

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.

2. Enter your email address and create a password, then click Create Account.

3. Enter your personal contact information and click Continue.

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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Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

Ask a question Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

2 Comments

Olive
October 2, 2017

What is deferred interest rate?

Reply
- finder 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
  
  Reply

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Review: Overstock Store Credit Card