Big Lots Credit Card ReviewsReviews, rates, fees and customer service info for the Big Lots Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate$25 discount initial rewards bonusQualify with fair creditHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Big Lots Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 888-566-4353
Big Lots Credit Card has a rating of 1.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Big Lots Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Big Lots Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.1/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
3.1/5
85 reviewsRead and write reviews
Editor’s Review
1.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
1.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 12 months, 35.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $25 off your first in-store purchase after spending $25 on the same day you open your account. Valid through 12/24/24.
Rewards Members can earn $5 back in Rewards for every $100 in purchases charged to the card. Each transaction placed on a promotional credit plan will not earn rewards.
Big Lots Credit Card's Additional Info
Deferred Interest Details: No Interest if paid in full within 6 or 12 months on a minimum purchase of $250 or $750.
BIG Rewards Members can earn $5 back in Rewards for every $100 in purchases charged to your Big Lots Credit Card or can choose financing options.
Good rewards deal. You’ll get $5 for every $100 spent on the Big Lots Credit Card once you are enrolled in the rewards program. This is a good deal considering that the best store credit cards offer 5% “cash” back on all purchases. The downside is that purchases placed on a promotional credit plan will not earn rewards.
Extremely high regular APR. The Big Lots Credit Card’s regular APR is higher than even the market-average penalty rate: 27.29%, according to WalletHub’s latest Credit Card Landscape Report. That underscores the danger of the card’s deferred-interest clause and illustrates the folly in carrying a balance from month to month when its standard terms are in effect.
No annual fee. Hardly any store credit cards charge an annual fee. So while the Big Lots Card’s lack of such a fee will save you about $27.85 per year compared to the average credit card, this feature is to be expected.
Fair credit required. As is the case with most store cards, you need at least fair credit to qualify for the Big Lots Credit Card. But you should only consider it if you have fair credit. And even then, it’s unlikely to be the best choice.
People with good or excellent credit can definitely get better 0% cards, after all. And while 0% cards that don’t have deferred interest typically aren’t available to people with fair credit, those folks can still get cards with much lower regular rates. If you don’t know where your credit currently stands, you can check your latest credit score for free on WalletHub.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.0
User Reviews
3.1
Market Comparison
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Big Lots Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make a Big Lots Credit Card payment online, by phone, by mail, at a store or through EasyPay. To pay a Big Lots Credit Card bill online, log in to your online account and click on “Pay Bill.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Big Lots Credit Card Payment
Online: Log in to your online account and click on “Pay Bill” or use the EasyPay feature in order to pay your bill.
By phone: Call 1-888-566-4353 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a store: You can make a payment at any Big Lots location.
In conclusion, there are multiple ways to make a Big Lots Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
Please note that the Big Lots Credit Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
The easiest way to apply for the Big Lots Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Comenity Capital's website. Alternatively, you can apply in store.
Keep in mind that the Big Lots Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
Your Big Lots Credit Card approval odds are good if you have a 640 credit score or better. This means you need at least fair credit to get approved for this credit card. So, it would be a good idea to check your credit score before applying for the Big Lots Credit Card.
Approval odds for the Big Lots Credit Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and...
You need a credit score of 640+ to get the Big Lots Credit Card. This means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Big Lots Credit Card, too.
I think that in this situation it's best to call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918). I mean, you should receive your card in two weeks at most. If not, call them and find out what's going on.
The Big Lots Credit Card credit limit and APR will be determined based on your creditworthiness. You'll be notified of your credit limit and other account details after approval.
Reviews show that typical fair-credit applicants start with a limit between $300 and $750, but then they see an increase after regular payments.
Yes, the Big Lots Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Big Lots Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it...
Yes, you could get an intro APR for a new purchase if you already have the Big Lots Credit Card. The intro APR offer lasts for the first 6/12 months for purchases of at least $250 or $750, respectively. If your new purchase is made within that period, then you should still be able to take advantage of the offer.
Keep in mind, however, that the Big Lots Credit Card offers a deferred interest financing program. This means that if...
Share your insights and review for the Big Lots Credit Card
5
38%
4
12%
3
9%
2
11%
1
31%
3.1
85 reviews
85 reviews
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Debra Campos @Camposd52153
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1 Star Rating
Beware of the Big Lots credit card. I had one and just canceled it. If I made a purchase using it within a week of the previous use, it would get declined at the register. This happened more than once, and I never missed a payment. When I called, the reason was "suspicious activity". Furthermore, the customer service representative was rude and said, "Well, we need to make sure we'll get our money." It was very embarrassing to be declined at the register, to say the least. Additionally, I finally paid off the final balance. The following month I received a $2 bill. I sent a message and they refused to remove it. I finally called and got a nice representative who took the charge off and I closed the account. Not a good card at all.
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d_valent @d_valent
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1 Star Rating
Do not purchase furniture at Biglots. They claim it is 0% interest for 12 months, but they lie and charge interest. Then, when trying to correct the error, they give you the runaround. I will be reporting this to the Better Business Bureau and to corporate.
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erin d @erindressler24
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1 Star Rating
Verified Customer
I don't recommend this credit card unless it's for furniture purchases, for many reasons, but primarily because the online portal is neither user-friendly nor easy to use.
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gg Goddard @gvgodd
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1 Star Rating
I would give no stars if allowed. Stay far away from this bank. Customer service is like talking to a wall, scripted and not helpful. I only got a response via email; no help from calling. There's false advertisement for no interest on a large purchase, and they did not honor it. They kept adding on interest charges despite proof of purchase and meeting requirements. Beware!
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0
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opaltayari6 @opaltayari6
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1 Star Rating
Verified Customer
They charge a $30 late fee even if you pay in-store a day late. Progressive Leasing is better. The Big Lots card doesn't count a second payment in the same month as the next month's payment; it just adds it as an extra payment for that month. So, if you think you're making an early payment to avoid a late fee, think again. And if you make it too late, they charge a fee. It's a no-win situation.
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George @kodiac_kidd
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1 Star Rating
Verified Customer
They offered the card and I applied and received a card with a $1000 limit. I was saving and waiting for a furniture sale. The next thing I know, the card is canceled for non-use without any warning. They said they would reinstate it, but it would require another hard pull on my credit. I told them no thanks, as my score dropped from the first pull and again when the account closed, and I never used it. I will never buy anything from Big Lots again, and shame on Comenity Bank too. You could have told someone to use the card before just closing it. Thanks for nothing.
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David Williams @davidw_438
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1 Star Rating
Verified Customer
Not worth having was 1 day late and they dropped the card down to nothing and all I owed was 30 dollars just forgot to send it . No email no text just oh your late so I’ll let it set there till they close it with a zero balance
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Crystal @crystlou
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4 Star Rating
Verified Customer
First let me start by saying I love me some Big Lots! A wide variety of things that I can get there including stuff for my backyard or some new furniture to snacks for my grandkids but be aware THE INTEREST RATE IS VERY HIGH. Get a few things to get your balance rotated and possible credit limit increases but don't keep it more than two or three months with a balance.. JUST ENOUGH TO REPORT
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kldrysdale1 @kldrysdale1
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5 Star Rating
Verified Customer
Love this store low prices easy delivery always happy with what I buy and receive and they have awesome prices love the products always good quality
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Deanna @deannabuzzard
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4 Star Rating
Verified Customer
I’ve never had a bad experience. I have always had great service when I’ve had to utilize customer support. I’d recommend this card.
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