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Stock Up on Rewards
With the Club O Rewards MasterCard®

Earn Up To
8%
Rewards
Earn up to 8% in Club O Rewards
on every qualifying Overstock™ purchase.
Earn
2%
Rewards
Earn 2% in Club O Rewards
on qualifying gas and grocery purchases.
Earn
1%
Rewards
Earn 1% in Club O Rewards
when you use your card on everything else.

More Perks

for Cardholders

$20
in Club O Rewards
Apply today and get $20 in Club O Rewards after your first purchase.
Club O
FREE Club O Membership &
FREE shipping for as long as
your card is active.
Learn More
New
Special Financing
0% APR* for 12 billing cycles on Overstock™ purchases over $500.
After that, a variable 15.99% to 24.99%, depending on how you meet our credit criteria. This APR will vary based upon the Prime Rate.
No Annual Fee*
No Earnings Cap
Free FICO 8® Bankcard Scores

How Much Will You Save?

Your Club O Rewards Will Add Up Instantly With the Club O MasterCard®

Enter your monthly spending and see how your rewards, and your savings will add up.

Purchase Type % Earned Monthly Spend Club O Rewards/Mo. Annual Savings
Overstock™ 8% $22.00 $264.00
Gas 2% $8.80 $105.60
Groceries 2% $8.00 $96.00
Restaurants 1% $1.50 $18.00
Entertainment 1% $2.00 $24.00
Other 1% $2.00 $24.00
Clear Form $43.66 $523.92/yr

Please see the Overstock Club O Rewards Program Terms and Conditions for information on Club O Rewards expiration.

Easy Account Management

at Home, the Office or On-The-Go

iPhone showing the app
Easily manage your account on your computer, tablet, or phone with our easy to use website or mobile apps.

With your Overstock MasterCard mobile app you can: check your account balance, view your statement and transaction history, pay your credit card bill and more.
Android device showing the app
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
Apply. Be Approved. Use your card in as little as 60 seconds.
  • * 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.
  • ‡ 5% Club O Rewards: 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. 5% Club O Rewards 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.
  • FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Please note that new cardholders will generally see their FICO® Score about 2 to 3 months after account opening.
  • Cards are issued by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.