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The Best Big Lots Credit Card – Everything You Need To Know

Big Lots store is a discount furniture business that offers pet supplies, home essentials, and groceries. The store features a host of popular brand items like Broyhill, Ashley, and Lane Home. The wide range of quality items makes Big Lots store the first option stop for a home improvement.

You will find lots of furniture picks, including patio furniture, mattresses, couches, recliners, TV stands, living room furniture, and kitchen items, among other selections. Beyond the top-quality, wide range of items, the Big Lots store offers its customers a Big Lots credit card that gives attractive rewards whenever you shop.  

You should consider the Big Lots credit card application if you would like to finance large purchases from the store. The card offers a flexible repayment plan with an option for a no-interest six or 12 months payment plan. However, you can only use it at Big Lots stores. We look at the Big Lots credit card benefits and shortcomings to help you decide whether it is the best store credit card for your needs.

Big Lots Credit Card Review

Big Lots credit card is a useful shopping tool when you have a tight budget. The card does not have annual fees, which is a great feature for those who need to save while enjoying the flexibility of shopping with a credit card. It further provides loyal customers with special member offers. You will need to pay your bills on time to qualify for the special offers.

The card has flexible financing. Big lots credit card payment enables you to shop and pay for the qualifying item over several months. You can use the card to make your everyday purchases, but it is more beneficial for expensive purchases.

The card has a regular purchase APR of 29.99 percent, but you can enjoy zero interest on large purchases if you pay on time. We do not advise that you carry a month-to-month balance unless it is for a purchase that qualifies for zero interest to avoid excessive fees. Big Lots credit card payment attracts a minimum interest of two percent.

Nevertheless, payments of $250 or more will not attract interest rates if you pay off the balance within six months. Furthermore, big purchases of at least $750 will also not attract an interest fee if you pay within 12 months. We highly recommend the Big Lots credit card application when you need to fully furnish a new apartment.

Big Lots credit card application is not complicated, but you will need to meet the store requirements. You can apply for the Big Lot credit card if you have credit scores of between 640 and 840. Comenity Capital Bank issues the card and thus, you will need to appease them to qualify for the card. You can visit the Big Lots website to apply for the store card or call customer care service. The Big Lot store credit card will not enroll you into a reward program automatically.

You will need to sign up for the Big Lots BIG Rewards program to earn rewards for your purchases. The reward program gives you $5 for every three purchases and $10 on every $200 spent. You can easily monitor your account online. Big Lots credit card login enables you to view any payment or billing inquiry 24/7 online. You will need to provide the following details when applying for the card:

  • Government-issued ID
  • Date of birth
  • Zip code
  • Last four digits of your social security number

Big Lots Credit Card Highlights

  • $0 annual fee
  • Regular purchase APR 29.99
  • $0 sign up bonus
  • 6-month deferred interest plan for $250 or more purchases
  • 12-month deferred interest plan for $750 or more purchases
  • Special cardmember offers

Big Lots Credit Card Benefits

Big Lots Credit Card

You should never apply for a store credit card unless it has benefits that make your life better. Most store cards are easier to apply for and allow the applicants to build or rebuild their credit history. That said, some credit cards like the Big Lots credit card entice you into making more purchases by offering an affordable, flexible way to pay for expensive items. Some of the reasons why you should consider the Big Lots credit card application include:

An opportunity to save money

It is usually a bad idea to carry month-to-month balances with most store cards as they have a high APR rate that would make your purchase very expensive. You should pay all your credit card balances before your payment due date to save money.

However, the Big Lots credit card has an exception that allows you to pay for an item over several months without attracting high APR rates. The card has a six-month payment plan that allows you to pay off purchases of at least $250 without attracting interest. The zero-interest offer further extends for 12 months when you purchase items worth $750 or more. The store card does not have annual fees for greater savings.

Exclusive member opportunities

Big Lots credit card application allows you to enjoy exclusive opportunities to save more on your purchases. The cardholders regularly get exclusive coupons that offer discounts on specific products, which make it possible to get items at a lower fee. Furthermore, the Big Lots BIG Rewards program works with a credit card. You will be eligible for $5 every time you make three purchases and $10 every time you spend $200.

Big Lots Store Card Shortcomings

A store card is usually not the best option in the market. The Big Lots credit card has a few shortcomings that you should consider before you send your application.

You can only use it at Big Lots Stores

As a department store card, the Big Lots store card will only work at the associated store. You cannot use it to make online purchases or pay for items from other stores. It may not be the best credit card if you are looking for a card that allows you to shop from multiple stores. Applying for the Big Lots store card makes sense if you buy most of your items from the Big Lots stores.

A deferred interest plan can be dangerous

Although the deferred-interest plan is a big plus for the Big Lots card, it can be dangerous if you fail to pay all the balance within the specified time. A six-month or 12-month payment plan allows you to save a lot of money. However, if you miss the payment deadline, you will pay for all the interest you would have accrued from the original purchase date, which can total hundreds of dollars.

The card does not offer rewards

The chance to earn back from your purchases is an attractive benefit when reviewing credit cards. With some credit cards offering up to five percent back on specific purchases, you can save a lot of money for grocery shopping.

The Big Lots credit card does not offer rewards when you purchase, which means you will not get any rewards when you use the card to pay for everyday purchases. That said, credit card purchases are applicable if you are enrolled in a Big Lots reward program.

High-interest Rate and Late Payment Penalty

Although almost all store credit cards have a high regular APR, the Big Lots’ 22.99 APR rate is on the higher side. You can find a credit card with an APR of less than 10 percent, but most store credit cards offer a rate of between 15 and 25 percent. The Big Lots credit card is not the best option if you are likely to carry balances from one to another.

The credit card further attracts a high late payment fee of $38, including on a returned payment. It is also worth noting that the minimum payment you can make should be the greater of $30 and your statement balance. The minimum regular revolving credit payment you can make should be the greater of $5 and 3.5 percent of the new balance.

How To Pay The Big Lots Credit Card?

You can pay for your Big Lots card online, through the mail, or by phone. Online payment is the easiest method as you only need to create an online account and login to manage your account. Big Lots credit card login directs to the account management page where you can add a bank account and a routing number. You should click the checking accounts section on your profile to add the account.

Big Lots store card does not accept a debit card. Once you add a bank account, you should navigate to the payment section; choose the amount to pay and the payment date. You may also set up recurring or automatic payments.

Alternatively, you can call 888-566-4353 to make your payment over the phone. Keep in mind that a $15 fee may apply when you pay over the phone. You can also pay your Big Lots card by a check, money order, or cashier’s check. You will need to mail your payment along with the payment coupon on your monthly statement to a mailing address at the back of your statement.

Big Lots Credit Card Alternatives

1) American Express Blue Cash Preferred

If you are regularly buying items at Amazon.com, the American Express Blue Cash Preferred card is probably the best credit card for your shopping needs. The card offers 20 percent back on your Amazon.com purchases up to $200 cashback within the first six months.

The American Express Blue Cash Preferred Card is a perfect alternative to a Big Lots credit card if you are looking for cash back from all your purchases. It is a perfect credit card for an entire family shopping with attractive offers. The card has six percent cash back on U.S. supermarket purchases of up to $6,000 in a year. It also offers six percent cash back on specific streaming subscriptions, three percent on gas stations, and one percent on all other purchases.


  • $0 for the first year and then a $95 annual fee
  • 13.99 to 23.99 percent variable APR
  • 20 percent cash back on Amazon.com
  • 6 percent cash back at US supermarket
  • 6 percent cash back on streaming subscriptions
  • 3 percent cash back at gas stations

2) Chase Freedom Unlimited Card

The Chase Freedom Unlimited credit card is a good Big Lots credit card alternative that lets you save on annual fees while offering better rewards. The card does not have an annual fee and offers a $200 bonus if you spend at least $500 in your first three months. It also offers unlimited 1.5 percent cash back on all other purchases, which allows you to earn rewards whenever you use the card.

Chase Freedom Unlimited card comes with zero percent APR for 15 months from the account opening and then a variable of 14.99 percent to 23.74 percent APR. Furthermore, the card does not have a minimum amount you can redeem and the cashback will not expire as long as the account is active.


  • $0 annual fee
  • $200 bonus after spending $500 in the first three months
  • Zero percent intro APR for 15 months
  • No minimum cashback to redeem

3) Bank of America Customized Cash Rewards

You can customize your cash back rewards with the Bank of America Customized Cash Rewards. The card does not have an annual fee, which allows you to save money. You can also choose your own three percent bonus category from a list of available options. The card allows you to change the custom bonus selection once a month.

The Bank of America Customized Cash Rewards credit card is a good Big Lots credit card alternative if you keep large balances with Bank of America. The card does not have an annual fee and comes with a sign-up bonus of $200 for purchases of at least $1,000 within the first 90 days.


  • $0 annual fee
  • $200 sign-up bonus
  • 3 percent custom cash back category
  • 1 percent cash back on all other purchases


You should apply for the Big Lots credit card if you are looking for a safe way to pay for your everyday purchases. The card does not have annual fees. You can also avoid paying interest on your purchases if you clear your balance within six months for $250 or more or 12 months for amounts of $750 or more.

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