Big Lots Credit Card
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.
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
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 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
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.
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.