Big Lots Credit Card

The Big Lots Credit Card is an easy way to pay and take home today! Keep reading for details.
Other Benefits

No annual fee2

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

Use your Big Lots Credit Card in store and online

Have Questions?

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's
What Do I Need To Apply?

The 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
Have an Account?

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
Ready to Apply?

Click the link below to apply now or to find your nearest Big Lots store to apply for the credit card in person, click here.

Apply Now
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 August 2020, 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 August 2020 Variable Purchase APR of 29.99% based on the Prime Rate. Minimum Interest Charge is $2.00 per Credit Plan.

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