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.

1Deferred 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 September 2021, 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.

2For new accounts, as of September 2021 Variable Purchase APR of 29.99% based on the Prime Rate. Minimum Interest Charge is $2.00 per Credit Plan.

3Valid one time only. Minimum purchase required to redeem. See offer for full terms and conditions.

Credit card offers are subject to credit approval.
Big Lots Credit Card Accounts are issued by Comenity Capital Bank.