Apply today and get $20 in Club O Rewards after your first purchase.
FREE Club O Membership &
for as long as
your card is active.
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.
Free FICO 8®
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.
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
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.
Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.