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Big Lots Credit Card

INTRODUCING THE

BIG LOTS

CREDIT CARD

Easier to pay & take it home today!
Special Financing

- 6-months same as cash if paid in full within 6 months on purchases over $250

Interest will be charged to your account at a variable purchase rate of 29.99% from the purchase date if the purchase balance is not paid in full within the 6 month promotional period or if you make a late payment.*

- 12-months same as cash if paid in full within 12 months on purchases over $750

Interest will be charged to your account at a variable purchase rate of 29.99% from the purchase date if the purchase balance is not paid in full within the 12 month promotional period or if you make a late payment.*

Other Benefits

Use your Big Lots Credit Card to make any in-store purchase

No annual fee**

24/7 online account management

What Do I Need To Apply?

The Big Lots Credit Card is the most convenient way to pay for the crazy good deals you find every day at Big Lots. It's faster than writing checks, and safer than carrying cash. Plus, you get online account access 24 hours a day. To apply, you must:

  • Be at least 18 years age
  • Be a U.S. resident residing in the United States
  • Have a U.S. Social Security Number
  • Have a street, rural route or APO/FPO mailing address (no PO BOX addresses)
  • Have a valid government-issued photo ID
Have an Account?

If you already have an account,

use the link below to login now.

 

Login Now
Ready to Apply?

Click the link below to apply now or to find your nearest Big Lots store to apply for the credit card in person, click here.

Apply Now
Frequently Asked Questions

To see full terms & conditions of use, click here.

*Interest at the variable purchase rate of 29.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period or if you make a late payment. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month The Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at the variable purchase rate of 29.99%, you must pay the total promotional purchase amount within the promotional period. Minimum purchase amount subject to change.

Big Lots Credit Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $30.00. Minimum Interest Charge is $2.00 per credit plan. Standard variable purchase APR of 29.99%, based on Prime Rate.

**Standard variable purchase APR of 29.99%, based on the Prime Rate. Minimum interest charge is $2.00 per credit plan.