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Stock Up on Rewards
With the Club O Rewards MasterCard®

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

More Perks

for Cardholders

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
Special Financing
0% APR* for 12 billing cycles on Overstock™ purchases over $500.
After that, a variable 16.24% to 25.24%, 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

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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.
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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, 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 within 45 days of account opening.
  • This card is 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.