Big Lots Credit Card
BIG LOTS
CREDIT CARD
Qualifying new transactions will no longer be automatically placed on 6 or 12 month special financing plans giving you the flexibility to choose from available financing options.
- 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.*
Additional Special Financing*** promotional offers may be available to qualified customers. Visit your local Big Lots store today and ask an associate about available financing options.
No annual fee**
Special Member Offers
Flexibility to choose from available financing options when making a purchase***
In store account lookup to complete your purchase, should you forget your Big Lots Credit Card
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'sThe 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
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
There are several options to pay your bill: 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.
You can only use your Big Lots Credit Card for in-store purchases. If you have any further questions, ask an associate for more details.
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.
You will receive your card within 7-10 business days after approval.
Please review your Credit Card Agreement for any questions about your fees or APR. If you need further assistance, please call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918). You can also find this number printed on the back of your card.
Yes. You can call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918), to inquire about a credit line increase.
To add an authorized buyer you can call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918) or visit comenity.net/biglots.
Authorized buyers will receive a Big Lots Credit Card in their name or you can call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918) to confirm. Cardholders can also find out in-store when completing an account lookup.
Required payment information can be found in your Credit Card Agreement and on your billing statement.
Yes. Your Big Lots Credit Card account number and payment address will be on your statement, allowing you to set up payments through your bank. Please be sure to allow 5 business days for the payment to post.
Yes! If you would like to apply for the Big Lots Credit Card online, click here. Please note that the Big Lots Credit Card can only be used in a Big Lots store and cannot be used to make purchases online.
Visit the Big Lots Credit Card Help page here to search more frequently asked questions as well as narrow by topic.
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.
***Promotional financing available with Big Lots Credit Card accounts offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required. See store for details.