Live BIG and save LOTS with the Big Lots Credit Card. See if you're approved today!

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Frequently Asked Questions

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

1Application and approval must occur same day to receive the offer. Offer only available at Big Lots stores. 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. . Valid one time only. The entire transaction amount after discount must be placed on the Big Lots Credit Card. Cannot be combined with 6 or 12 month financing. . 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. 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.

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 and minimum interest charge. As of April 2022, terms for new Accounts: Variable purchase APR of 29.99%. Minimum interest charge is $2.00 per Credit Plan 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.