To be eligible for your credit bonus on revolving purchases, you must be enrolled in the Big Rewards program.
We will e-mail your Big Lots Credit Card Reward within one week of the earn period ending. Make sure you are opted in for BIG Rewards e-mails. You can also find the Rewards in your BIG Rewards dashboard.
As a new cardholder, you can make a purchase in-store using account lookup to complete your purchase. You will need to provide your government-issued photo ID, the last four digits of your SSN, month/day of your birth date, and your zip code.
February 1 – April 30
May 1 – July 31
August 1 – October 31
November 1 – January 31
You will receive a weekly e-mail to your Big Rewards e-mail address showing you how much you have earned and how close you are to the next Reward. Make sure you are opted in for BIG Rewards e-mails. You can also check your Big Lots Credit Card statement/bill and see how much you have spent on revolving during the earn period.
All spend will reset to $0 at the start of the next earn period.
You must choose revolving and be enrolled in Big Rewards at the time of purchase to qualify.
Credit Card Rewards will expire 60 days after issuance.
There are several options to pay your bill: in-store at any Big Lots location, online at comenity.net/biglots, by phone at 888-566-4353 (TDD/TTY: 888-819-1918), or through the mail. Acceptable forms of payment include checks, money orders, or cashier’s checks in U.S. dollars. There may be a fee to process a phone payment.
Yes, but before you can view or make a payment online, you will need to enroll in Account Center. Review your billing statement or visit comenity.net/biglots to find instructions and details on how to enroll.
The USA PATRIOT Act requires all credit applicants to provide a physical street address. Therefore, an application must be processed using a physical address. Should you need to update your address after your application is processed, you can contact the Big Lots Credit Card Customer Care Center for assistance at 888-566-4353 (TDD/TTY: 888-819-1918). You can also find this number printed on the back of your card.
As a new cardholder, you can make a purchase in-store using account lookup to complete your purchase. You will need to provide your government-issued photo ID, the last four digits of your SSN, month/day of your birth date, and your zip code.
To see full terms & conditions of use, click here.
1Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). This rewards program is provided by Big Lots and its terms may change at any time. For full Rewards Terms and Conditions, please see Biglots.com. Cardholders must enroll/be enrolled in the BIG Rewards program. Spend is calculated during defined earn period and resets at the end of each period.
2Deferred Interest, Payment Required plan: Interest 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. 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. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). As of May 2023, terms for new Accounts: Variable purchase APR of 29.99%. Minimum interest charge is $2 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
4 Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). This rewards program is provided by Big Lots and its terms may change at any time. For full Rewards Terms and Conditions, please see Biglots.com. Cardholders must enroll/be enrolled in the BIG Rewards program. Spend is calculated during defined earn period and resets at the end of each period.
5 Application and approval must occur same day to receive the offer. Offer only available at Big Lots stores. Not valid at Big Lots Home stores. Valid one time only. The entire transaction amount after discount must be placed on the Big Lots Credit Card. Offer does not apply to Allstate warranty coverage, previous transactions, existing price holds, non-purchases such as rentals, deposits, or charitable donations, or purchases of milk, other dairy, eggs, or gift cards. Offer not available to Big Lots associates. Open a new Big Lots Credit Card to receive $25 off your first in-store purchase when you use your Big Lots Credit Card. Cannot be combined with promotional financing. Only one account opening offer per account. By attempting to redeem this offer, user unconditionally agrees that all decisions by Big Lots are final regarding interpretation, fact, and procedure. Valid only on goods in stock (including special orders). Void where prohibited. No cash value or cash back. Offer may not be sold. Offer will be automatically applied at register.
6 Deferred Interest, Payment Required plan: Interest 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. 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. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). As of December 2023, terms for new Accounts: Variable purchase APR of 29.99%. Minimum interest charge is $2 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
Big Lots Credit Card Accounts are issued by Comenity Capital Bank.