You've missed out on Club O Rewards!
You Could have earned in Club O Rewards during the past year. Join Club O now and start earning

The Rewards Program that Pays for Itself
I am an Overstock fanatic and shop here on a regular basis. I decided to become a member of Club O and I am glad I did! I have earned many points and when I made my last purchase I paid absolutely nothing for a cat tree for my cats. You cannot beat that! I highly recommend Club O to everyone. It is a no brainer!"
Susan S.

  • EARN 5 to 40%
    Earn 5% in Club O Rewards on every order & up to 40% on select items.
  • FREE SHIPPING Every Order, Every Day*
    No matter how big or small, your order always ships for free.
    Dedicated customer service and early access to exclusive deals.
    Club O pays for itself, or we make up the difference
CLUB O IS FREE to qualified military personnel, first responders and students.
Frequently Asked Questions

Here are the answers to some frequently asked questions from our Club O Members.
Did we miss something? Use the chat button, or send us an email and we'll find the answers!

Why join Club O? What do I get?
Well, for one thing, you get to be part of the in crowd. But you also get at least 5% of your purchase back in Club O Rewards*, plus FREE SHIPPING and access to extra rewards on specially selected items. You'll also get exclusive Club O previews of our sales events, so you can be the first to get a great deal.
How does it work?
Once you're a member, you'll earn Club O Rewards on most purchases you make at Overstock™. You won't earn Club O Rewards on purchases paid for with Overstock™ Gift Cards, In-Store Credit, or Club O™ Rewards. International orders, cellular telephone service plans, Club O Memberships and transactions generated within the Cars, Community, Vacations and any tab other than the "Shopping" tab are also excluded from earning Club O Rewards.
When will I get my 5% Club O Rewards?
Your Club O Rewards will show up in your account as soon as your order ships. Remember, it's not an instant discount; you're earning Club O Rewards for use on future Overstock™ purchases. You can use your Club O Rewards as soon as you get them, or save them up for a large purchase down the line.
So, how do I use my Club O Rewards?
Simple. Once you're finished adding items to your cart, proceed to checkout. In the "Payment Information" section, check the "Use Club O Rewards" box and you'll be asked how many Club O Rewards you want to spend. Enter the amount, then click "Submit Order Now" and you're done!
Do I have to use all my Club O Rewards at once?
They're your Club O Rewards, so you can use them however you want! You choose how many of your Club O Rewards to apply towards a purchase.
What if my Club O Rewards don't cover the cost of my order?
If you don't have enough to cover the whole cost, you'll be charged the difference, just like any other purchase that doesn't use Club O Rewards. If you don't want to use all your Club O Rewards at once, you don't have to.
How does free shipping work?
One of the great things about being a Club O member is that it gives you FREE SHIPPING on all orders every day of the year. Since it saves you extra money on top of the rewards you're already earning, FREE SHIPPING is one of the best parts of being a Club O member. Please note, free shipping does not apply to orders shipped to Alaska, Hawaii, and Puerto Rico.
What's excluded?
You mean, is there anything you can't spend your Club O Rewards on? Nope. Nothing. Except things sold through a third party, like cars, travel and insurance.
How much is Club O?
It's $19.95 for the first year of membership, and $14.95 to renew. The savings keep stacking up!
How do I renew? When can I renew?
You have several options for renewing your Club O membership. Just add it to your shopping cart from this page and proceed to checkout. You can also renew from the My Club O page of your account or by turning on the auto-renewal option, found on the Club O Rewards tab. And in case you forget, we will send you reminder emails that include a link for renewal a few weeks before your membership expires.

You can renew at any time. Even if you just signed up yesterday, you can renew your membership today. Your newly purchased renewal will not become active until your current membership has expired.
Where can I find the terms and conditions of Club O membership?
The Club O Rewards Program terms and conditions are located in the Membership Programs section of the Customer Support Help pages. Click here to reach the page directly.
Can I use my Club O Rewards to renew my membership?
You clever thing, of course you can!
Do my Club O Rewards expire? How do I get them back?
Unfortunately, they do — but only when your Club O Membership expires. Once your membership expires you'll lose access to your Club O Rewards, but they'll still be there waiting for you. As long as you renew your Club O membership within 90 days you'll get them back! After the 90 days are up they're gone for good; so don't put off renewing your membership.
Can I donate or transfer my Club O Rewards?
You cannot transfer your Club O Rewards to another account; however, you can donate them to the Wounded Warrior Project®, to the Best Friends Animal Society®, or to the American Red Cross®, three of our favorite charities. And we plan to offer Club O members even more donation opportunities in the future.

To learn more and make a donation, visit the Wounded Warrior Project page, the Best Friends Animal Society page, or the American Red Cross page on our website. Then select a dollar amount and click on the donation button, which will take you to the shopping cart page. You can choose a donation amount on the shopping cart page, too. Sign in to your account and continue with the checkout process. On the billing and shipping page, choose the Club O Rewards redemption option for payment. Enter the amount of earned Club O Rewards you want to redeem and select "apply." Complete the billing and shipping information as you would for a standard purchase and click "submit order" to finish the transaction.
If I cancel my membership do I get a prorated refund of my annual fee?
No, sorry. The Club O membership fee is non-refundable.
What is the Club O Promise?
If you do not earn more in Club O Rewards from purchases during your yearly Club O Membership than the actual purchase price paid by you for your membership, then we will give you the difference in Club O Rewards when you renew for the next year.
Will I receive a reminder when my membership is about to expire?
Indeed you will! We'll send you several reminder emails before your Club O membership expires, so you'll have plenty of chances to renew.
Is Club O a credit card?
No way! There's no credit check, no interest, and no statements in the mail; just rewards for shopping. We do have a credit card, though; click here if you're interested.
I want more perks; what can I do?
Who doesn't want more Club O Rewards? You can sign up for our Club O Rewards MasterCard® to earn even more rewards on Overstock™ purchases, 8% rewards to be exact! Plus, you'll earn Club O Rewards on purchases made elsewhere; the gas station, grocery store, even your local dry cleaner. You can also shop on our Extra Rewards page and earn Club O Rewards even faster.

You could also take a friend to lunch! Club O members can earn extra Club O Rewards when they dine out by joining the Dining Rewards network. We offer Dining Rewards as a free perk for our Club O members. Just sign up at our Club O Dining page, and register one or more credit cards with the program. Then start dining out more.

You'll earn 5% in Club O Rewards on your bill every time you use a registered card at a participating restaurant. You can search for restaurants by zip code, so it's easy to find a rewarding dining spot near home, work, or travel destination.
How do I cancel my membership?
Although we hate to see you go, we do understand that sometimes things don't work out. We value your feedback and hope you'll tell us why you're leaving when you call us at 1-800-843-2446 or email us at
What is Club O Lite?
Club O Lite is a free version of the Club O program offering 2% back in Club O Rewards on all eligible purchases. For more information on the Club O Lite program, click here. If you decide to upgrade from Club O Lite to a full Club O membership, don't fret, all of your Club O Rewards are transferable!
I received messaging concerning my Missed Rewards. What is that about?