Flexible financing options on qualifying purchases²
Free shipping every day when you use your card³
It takes seconds and will not affect your credit score!
You’ll be prompted to log in or create an account to continue.
Already a card member? Manage Your Account
Enjoy the Overstock Credit Card Benefits:
Flexible financing options available²
Free Shipping, no minimum³
Member-Exclusive Offers
Use your card across our family of brands:
Frequently Asked Questions
- The Overstock Credit card can be used across the Beyond Family of Brands websites and mobile applications including overstock.com, bedbathandbeyond.com, and buybuybaby.com
- Currently, the credit card cannot be used at Bed Bath & Beyond Home in-store locations
A soft inquiry is used to check your eligibility which will not affect your credit score.⁴
- Financing options are available across all participating Beyond sites with the Overstock credit card. See below for currently available plans.
- 6 month on purchases of $199+²
- 12 months on purchases of $399+²
- To apply financing, you must login to your account to view promotional plan options. Use your Overstock credit card to pay at checkout. Special financing offers are available. Some promotional financing is offered on a periodic basis. Please always check when a promotional plan expires.
Yes, if you have been approved for a credit card online, you will be able to use your newly opened account on the same transaction and receive a first purchase discount as well.
Yes, your introductory offer (if eligible) can only be applied to your first Overstock Credit Card purchase within 30 days of opening your account on purchases of $100+¹. Your coupon will be sent via email to activate.
Applying online is fast and easy. If approved, we'll automatically add your new Overstock credit card to your saved payment methods so you can use it today. Overstock cardmembers will receive their physical card and a letter with account information within 7-10 business days via US mail.
The Overstock Credit Card Program, issued by Citibank, N.A.,, has ended. Your Account is no longer valid for new transactions. You can continue to self-service and manage your account online via the existing website: overstock.accountonline.com. You can also contact Citibank, N.A. customer service via the customer service number provided on your statement or on the back of your credit card.
- Click here to pay your Bread Financial Overstock Credit Card or to edit payment information. For more assistance or to pay over the phone, please call (800) 377-1263, TDD/TTY: (888) 819-1918. Pay-by-phone fees up to $15 may apply for payments made with a Care Center agent.
- If you have an Overstock Credit Card or Overstock Mastercard issued by Citibank, N.A. please click here to pay your bill, or manage your account.
There are no annual fees⁵ associated with opening an account or keeping an account open.
The Overstock customer service team is ready to help! For the most convenient way to start your help request,visit our Help Center and My Account.
To contact the Overstock customer service:
- Phone: (833) 895-1554
- Hours of Operation:
- Monday-Friday: 10AM-8PM EST
- Saturday-Sunday: 9AM-7PM EST
To contact Bread Financial please call:
- (800) 377-1263
- TDD/TTY: (888) 819-1918
If you're approved, you should be instantly notified. However, if it takes longer to process your application, the bank will notify you by mail regarding the reasons for the decision.
¹Cannot be combined with other offers. Valid one time only. Excludes tax, shipping, and special financing.
²Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Must login to your account to view promotional plan options.
³Limited to Standard shipping in continental US. Excludes orders shipping to Alaska, Hawaii, and International orders. Must login to your account to receive offer.
⁴A soft inquiry is used to check your eligibility which will not affect your credit score.
⁵Click Here for important rate, fee, and other cost information.
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Credit card offers are subject to credit approval.
Overstock Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial® company.
Shop Overstock.com and find the best online deals on everything for your home and more. We work every day to bring you the best products at the best prices, from rugs and jewelry to furniture and decor. Whether you’re looking for memorable gifts or everyday treasures, find them here for less.
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