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Big Lots Credit Card

The Big Lots Credit Card is an easy way to pay and take home today! Keep reading for details.
Special Financing1

No interest if paid in full within 6 or 12 months on purchases of $250 or more for 6 months and $750 or more for 12 months made in-store with your Big Lots credit card. Interest will be charged to your account from the purchase date if the purchase is not paid in full within the promotional period.2

Qualifying new transactions will no longer be automatically placed on a promotional plan giving you the flexibility to choose from available financing options.

Visit your local Big Lots store today and ask an associate about available financing options.

Other Benefits

No annual fee3

Special Member Offers

Flexibility to choose from available financing options when making a purchase1

In store account lookup to complete your purchase, should you forget your Big Lots Credit Card

Have Questions?

Contact the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918) for assistance.


Or click the link below to browse some frequently asked questions.

See FAQ's
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 the age of majority in your state or territory
  • Have a valid government-issued photo ID
  • Have a valid government issued tax identification number (such as a SSN or SIN)
  • Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses
Have an Account?

Use the link below to login to your account or contact Big Lots Credit Card Customer Care at 888-566-4353 for assistance.


Pay My Bill
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.

1Subject to credit approval.

2Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of September 2019, terms provided for New Accounts: Variable Purchase APR of 29.99%. Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

3Click Here for important rate, fee, and other cost information.

Big Lots Credit Card Accounts are issued by Comenity Capital Bank.