Info about Overstock Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 24 months, 31.49% (V) APR after that
Only one option left. There used to be two Overstock.com credit cards: this Overstock.com Store Card and the Overstock Mastercard. The Overstock Mastercard has been discontinued and only the store card is available right now. You only need fair credit to get approved for the store card, whereas the... show more
Deferred Interest Details: No Interest if paid in full within 6, 12, 18 or 24 month on purchases of at least $249, $499, $1,499 or $1,999, respectively. Minimum monthly payments required
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Earn $30 in rewards after your first purchase of at least $300 made within 90 days of account opening without a promotional financing plan.
Can't find what you are looking for? Submit your question about Overstock Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
What You Should Know About The Overstock Store Card Application Process
Although most applications get processed within minutes, there are some instances when the issuer will require some additional information. In these cases, applicants will be redirected to a “Pending” page. This doesn't mean you're denied, and you'll usually receive a decision within 10 business days.
If you have been denied and you would like to re-apply for the Overstock Store Card, make sure to wait 90 days from your last application submission.
The Overstock Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Overstock Store Card.
You should note that while your credit score is an important factor, there are plenty of other things...
Yes, the Overstock Credit Card does a hard pull on your credit.
When you apply, the issuer has to take a look at your full credit report to decide whether or not you're a good fit for the card. This might hurt your credit score for a little while. So...
If you lost your Overstock Store Card, call customer service at (855) 810-2546 and report it. The issuer will request some security information in order to verify your identity before sending a replacement.
No, you cannot use your Overstock Store Card everywhere you want. The card is not backed by any major credit card network, and can only be used for purchases at overstock.com.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal...
Share your insights and review the Overstock Store Card
5
34%
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11%
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11%
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7%
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37%
2.9
89 reviews
89 reviews
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Maricela @maricela_romero8874
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5 Star Rating
I love overstock for all my pet supplies and for area rugs. I also buy linen and comforter sets. they have jewelry of good quality!
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Marjorie @hodgesmarjorie547
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5 Star Rating
Verified Customer
I've been with overstock for several years I feel like a family member we don't know one another never even meant yet they make me feel that they care they don't just say they care they do
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christy @christyddaniels1961
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1 Star Rating
Verified Customer
Paid off account 4-5 months ago, still reporting as not paid in full. Will never use this account again. They don't report properly to the credit bureaus.
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Sev Balong @Sevbalong
Same here, I paid in full on time and they keep sending the bills. I called them, they said, even if my bill is paid off, they still wanted me to pay the minimum. I told them I paid on time in full. I reported this Cominety Bank from Dallas, Texas to the Better Business Bureau (BBB).
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jaimea @jaimea
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4 Star Rating
Verified Customer
Great Credit Card and Bank. will recommend to anybody, Customer service is awesome,being dealing with them for over 7 years and never have a problem with them.
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WILLIAM @wdmulanaxjr
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5 Star Rating
Verified Customer
Very good card, I use it when I need it. I really like the interest free offers on large purchases really make things easier when paying back.
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Michelle @michellecadle870
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2 Star Rating
Verified Customer
Since Bread has bought Comenity they aren’t reporting each month & it’s affecting credit scores. I have multiple cards with them. It’s extremely upsetting. It’s not been updated since June 2022. Card is paid in full.
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Samantha @skmartin108
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1 Star Rating
Verified Customer
They don't update credit reporting to show the account was paid off, but they updated it to show there was a balance due. Seems they should either update always or never.
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Phyliss @pwedgeone
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1 Star Rating
Verified Customer
Account paid off for over 3 months but they have not reported that to the credit bureaus. They need to do better at reporting accounts paid in full.
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2
0
Kasib @kasibe
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1 Star Rating
Verified Customer
They start you out with a credit limit that is worth a decent purchase and for no reason, the credit limit went down. I did not understand why no credit limit dropped and I had never missed a payment. Now they are showing me a balance and I paid off that account.
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Sohndra @sohndras
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5 Star Rating
Verified Customer
I enjoy shopping online at Overstock. I loved almost everything I have purchased from then on line. I purchased a vacation home and completely furnished it from Overstock. Very disappointed that Overstock has move over to home decor only. I loved the jewelry and watches. Wished jewelry was still an option. Love the jewelry I purchased on line from Overstock. I wish Overstock would report my having paid them off for over 2 months and it is not reflected on my credit report. I understand reorganizing but two full months is a long time to report I owe a bill that I have paid you n full. Call them and was told it was reported a month ago but that has not yet been reflected on my credit report and I am being penalized in my credit score as owing more than I do. I realize it is the bank and not the store. Ovtshould get another bank. Oh I love all the rugs I have purchased for my home. Thanks Overstock for your home decor but I long for my jewelry. Wish you would put it back on line. One of my favorite songs laces to shop for a new piece.
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