Club O Logo
Welcome to Overstock's Rewards Program!

Enhance your shopping for
only $19.95 / year.

Start Saving Money With CLUB O EXCLUSIVES®
Earn points when you shop that you can redeem for cash off your next purchase.
Club O also makes Returns FREE so you can shop worry FREE! All this and even more deals year round for only $19.95/yr!
Earn 5% on Every Purchase
You will earn 5 points (5%) for every $1 on every Overstock purchase.
Free Returns
Get free returns for in-store credit on all eligible products.
Level Up Your Possible Earnings!
Get the Overstock Mastercard and also earn 3% at department stores, 2% on gas, 1% everywhere else.
Double Rewards for Reviews
Club O members earn double rewards for writing reviews up to 4,000 points ($40 value).
Price Match Guarantee
We'll match select competitor's prices on the same product.
Refer a Friend
Refer a friend and you both receive 1,000 points ($10) when they sign-up!
Extra Rewards Store Access
Earn up to 40% in extra rewards on purchases from the Extra Rewards Store
Get Call Priority
Access to prioritized Customer Care phone support, so you can get the help you need when you need it.
Earn points to use on your purchases
Club O gives you even more ways to earn points to get the most out of your shopping experience!
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How Club O Can Work For You

You can earn points in all sorts of ways, from making purchases to referring your friends. Save up your points to redeem as cash on purchases!
Bought for $150, earned 750 points ($7.50)
Wrote a review, earned an extra 200 points ($2)
Redeemed 950 points for $9.50 off next purchase
How to Earn Points
You can earn points by making purchases, writing reviews, adding images and many other new ways. We're adding new ways all the time!
Redeem Dollar

Make Purchases

Rewards for Reviews

Write Reviews

Photo Review

Add Images

Earn Rewards

And more!

Start getting rewarded for shopping today!
Free Memberships
Free memberships are offered for active military members, veterans, teachers, students, first responders, nurses & medical providers.
Level Up to More Benefits
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ClubO

Membership Only

ClubO

+ Overstock Mastercard

Membership
Cost of Membership
$19.95
Free
Membership Renewal
Yearly
Active with Overstock Mastercard
Earning Rewards
Cost of Membership
$19.95
Free
Earn 5% on Overstock Purchases
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Earn 3% at Department Stores
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Earn 2% on Gasoline
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Earn 1% Everywhere Else
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Frequently Asked Questions
Redeem Rewards

ClubO

Membership Only

With this membership you earn rewards on all of your Overstock purchases, free returns for in-store credit, and many other exclusive benefits.

How much does a Club O membership cost?
A Club O membership is only $19.95 a year.
Does my Club O membership automatically renew?
Yes, your Club O membership will automatically renew after a year for $19.95 using your original payment method. You can opt out of auto-renewal at any time in your Club O Rewards Dashboard. Don’t worry, we'll send you a reminder before your account renews!
Can I cancel my Club O membership?
Club O memberships are non-refundable. However, you can opt out of auto-renewal at any time in your Club O Rewards Dashboard. You’ll still have access to benefits and rewards until your membership expiration date.
Can I purchase a Club O membership for someone else?
No, memberships have to be tied to a customer account and therefore you are not able to gift a membership. However, you can gift an Overstock gift card which can be used toward the purchase of a Club O membership.

How can I earn rewards?
You'll earn rewards every time you shop with Club O! Earn 5% rewards on all your Overstock purchases (5 points for every $1 spent) and earn up to 4000 points ($40) in rewards for a single product review.
What is the difference between reward points and reward dollars?
As a Club O member, you can earn points for Overstock purchases and other activities such as leaving reviews and referring your friends. Points can be redeemed as dollars for future Overstock purchases.
How much are reward points worth?
Points can be redeemed as reward dollars for future Overstock purchases. Each point is worth one cent. For example, if you earn 500 reward points then you can redeem them as $5.00 towards a future purchase.
Is there a limit to the amount of Club O rewards I can earn?
No, as a Club O member you will earn 5% rewards on every purchase, no matter what.
When will my Club O rewards be available to me?
Rewards will be available in your Overstock account as soon as your items ship. Rewards for writing reviews will be placed in your account within 48 hours after you have left a review.
Can I earn rewards from my past purchases?
Yes, when you sign up for a new Club O membership, you can earn up to 2500 points ($25) in rewards for eligible past purchases. These rewards are applied automatically and will appear in your rewards history as a "Membership Bonus Reward".
Do I earn rewards if I cancel my purchase?
If you cancel a purchase before it ships, you will not receive Club O rewards for that purchase.
What happens to my rewards if I return an item?
If you return an item and you have already received Club O rewards for that purchase, rewards earned for that item will be subtracted from your account. If not enough rewards are available in your account, the corresponding reward amount will be subtracted from your refund.
Can I earn rewards on the purchase of a gift card?
Yes, you will earn Club O rewards on gift card purchases.
Can I earn rewards when I pay with an Overstock gift card?
No, rewards are not given on payments with gift cards. However, if your purchase amount exceeds the gift card's amount, you will earn rewards on the remaining balance of your purchase.
How are rewards calculated?
Club O rewards are calculated based on the purchase amount after all coupons, discounts, and gift cards have been applied.
Do Club O rewards expire?
Rewards earned through making purchases will remain active in your account as long as you are a Club O member. Rewards earned from leaving a review or referring a friend expire after 90 days. Membership bonus rewards expire after 45 days.
What happens to my rewards if my membership expires?
If your membership expires, any remaining rewards in your account will be unavailable to use until you renew your membership. You can reclaim your rewards if you renew your membership within 90 days after expiration.
What is the Extra Rewards Store?
The Extra Rewards Store is an exclusive shopping experience for Club O members where you can earn up to 40% rewards on select items. With new products added each week, you can earn more while shopping exciting new items you'll love.

How do I redeem my reward points?
You can redeem your points as reward dollars for your next Overstock purchase. You can apply reward dollars to your order at checkout.
Can I combine Club O rewards with other discounts?
Yes, Club O rewards may be combined with other discounts, coupons, and credits without any restrictions.
Are points redeemable for cash?
Points can only be applied as reward dollars for future Overstock purchases. Points have no cash value and are not redeemable for cash.
Do rewards automatically apply to my purchase?
No, during the checkout process you must select to apply your rewards to your purchase and choose the amount of rewards to use.
Can I redeem my points for other things besides Overstock purchases?
No, at this time points can only be redeemed as reward dollars for Overstock purchases.

ClubO

+ Overstock Mastercard

This membership is offered for FREE with the Overstock Mastercard. You can earn even more! Earn on Overstock purchases plus 3% in department stores, 2% on gasoline, and 1% everywhere else. Use those rewards on any Overstock purchases.

Is there a fee for Club O with the Overstock Mastercard?
You receive free automatic enrollment Club O as an Overstock Mastercard Card member.
Does my Club O membership automatically renew?
Your free Club O membership stays active as long as your Overstock Mastercard account is open and in good standing. There is no need to renew.
Can I cancel my Club O membership?
No, when your Club O membership is tied to an Overstock Mastercard you cannot cancel your membership.
How can I learn more about the Overstock Mastercard?
More information can be found on the Overstock Mastercard page.

How can I earn rewards?
You'll earn rewards when you shop with your Overstock Mastercard at Overstock and everywhere Mastercard is accepted. Earn 5% rewards on all your Overstock purchases (5 points for every $1 spent). Earn 3% at department stores and apparel, 2% on gas, and 1% everywhere else. Earn up to 4,000 points ($40) in rewards for a single product review.
What is the difference between reward points and reward dollars?
As an Overstock Mastercard Club O member, you can earn points for qualifying purchases when you use your credit card and other activities such as leaving reviews and referring your friends. Points can be redeemed as dollars for future Overstock purchases.
How much are reward points worth?
Points can be redeemed as reward dollars for future Overstock purchases. Each point is worth one cent. For example, if you earn 500 reward points then you can redeem them as $5.00 towards a future purchase.
Is there a limit to the amount of Club O rewards I can earn?
No, there is no limit on how many rewards you can earn on qualifying purchases.
When will my Club O rewards be available to me?
Overstock Mastercard rewards earned on purchases made on Overstock sites will be posted to your Account balance under “My Account” on the Sites within 72 hours of when the items purchased are shipped to you. Overstock Mastercard rewards earned on purchases not made on our Sites will be posted to your Account balance upon transaction settlement. At any time, we may verify and adjust your Account balance based on our records and based on certain purchases not constituting, or no longer constituting, Net Eligible Purchases.
Do I earn rewards if I cancel my purchase?
No, if you cancel any purchases made with your Overstock Mastercard the rewards earned will be deducted from your rewards balance.
What happens to my rewards if I return an item?
If you return an item and you have already received Club O rewards for that purchase, rewards earned for that item will be subtracted from your account. If enough rewards are not available in your account; the corresponding reward amount will be subtracted from your refund for purchases made on Overstock sites. If enough rewards are not available in your account for purchases made outside of Overstock sites, your rewards balance will be negative.
Can I earn rewards on the purchase of a gift card?
Yes, you will earn Club O rewards on Overstock gift card purchases.
Can I earn rewards when I pay with an Overstock gift card?
No, rewards are not given on payments with gift cards. However, if your purchase amount exceeds the gift card's amount, you will earn rewards on the remaining balance ofyour purchase if you use your Overstock Mastercard.
How are rewards calculated?
Club O rewards are calculated based on the purchase amount after all coupons, discounts, and gift cards have been applied.
Do Club O rewards expire?
Rewards earned through making purchases will remain active in your account as long as you are a Club O member. Rewards earned from leaving a review or referring a friend expire after 90 days. Membership bonus rewards expire after 45 days.
What happens to my rewards if my membership expires?
In the event your Overstock Mastercard is canceled or terminated for any reason you will have 90 days from the date of cancelation to use remaining earned rewards from purchases.
What is the Extra Rewards Store?
The Extra Rewards Store is an exclusive shopping experience on Overstock sites for Club O members where you can earn up to 40% rewards on select items. With new products added each week, you can earn more while shopping for exciting new items you'll love.

How do I redeem my reward points?
You can redeem your points as reward dollars for your next Overstock purchase. You can apply reward dollars to your order at checkout.
Can I combine Club O rewards with other discounts?
Yes, Club O rewards may be combined with other discounts, coupons, and credits without any restrictions.
Are points redeemable for cash?
Points can only be applied as reward dollars for future Overstock purchases. Points have no cash value and are not redeemable for cash.
Do rewards automatically apply to my purchase?
No, during the checkout process you must select to apply your rewards to your purchase and choose the amount of rewards to use.
Can I redeem my points for other things besides Overstock purchases?
No, at this time points can only be redeemed as reward dollars for Overstock purchases.
Member Testimonials
Club O pays for itself...whether you purchase a few smaller ticket items or even just one major purchase. It’s worth it for sure.

Jennifer H.

Its a win-win...I like that you get rewarded for buying the things you want and then get rewarded again for leaving a review.

Kimberli F.

Smart choice to join Club O...In just a month, it has saved me money and has paid for itself. Would highly recommend.

Lucylux M.

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Ready to start earning 5 points (5%) for every dollar spent?