• Offer includes 0% intro APR* on all purchases for the first six billing cycles after your account is open.
  • After the introductory period, the card carries a variable 15.99% APR based on the prime rate. Summary of Credit Terms.
  • Apply. Be approved. Use your card in as little as 60 seconds.
  • Earn up to 8% in Club O Dollars on Overstock.com purchases† and 1% in Club O Dollars everywhere else†.
  • Get a $20 statement credit the first time you use your card†.
  • Enjoy FREE Club O Membership renewals as long as your card is active†.
 Accept Club O Terms & Conditions

Please note that in order to keep this great rate, you must make payments when due, stay within your credit limit, and be sure payments are not dishonored for any reason. Please note that the introductory rate does not apply to balance transfers and cash advances. We reserve the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. All Changes in terms will be subject to the requirements of applicable law. Offer applies to new accounts only. Payments on your account may be applied in the order we select, subject to applicable law.


* For additional information about the Annual Percentage Rates (APRs) fees and other costs, see the Summary of Credit Terms.


† See the Credit Card Rewards Program Terms and Conditions in the Summary of Credit Terms for details. Allow 6-8 weeks after your first use for the bonus dollars to appear on your billing statement as a credit to your account.


‡ 8% Club O Dollars: You accrue the benefits described herein for all purchases made through Overstock.com, except international orders, cellular telephone service plans and Club O Memberships. In addition, transactions generated within the Cars, Auctions, Real Estate, Community, Vacations and any Tab other than the Shopping Tab are excluded. 8% Club O Dollars will be calculated on the net purchase amount (after discounts and coupons) of every eligible purchase. Free Shipping: Free standard shipping within the continental United States on all orders, excluding orders comprised solely of media items under $25.


Cards are issued by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.