Overstock Mastercard®

The smartest way to make your dream home come true.

Already have an Overstock Mastercard?Go to Your Account

rewards

everywhere you shop

5
%
on overstock purchases
3
%
Cart Redeem
on apparel & department store purchases
2
%
on gasoline purchases
1
%
on all other purchases
+
Special Financing

special financing up to 60 months^

on qualifying orders

Special Financing

No interest if paid in full within promotional period

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

  • 6 months^ on orders $199 or more
  • 12 months^ on orders $499 or more
  • 18 months^ on orders $1,499 or more
  • 24 months^ on orders $1,999 or more
Long Term Financing
  • 36 months^, 9.99% APR $1,299 or more
  • 48 months^, 9.99% APR $1,699 or more
  • 60 months^, 9.99% APR $1,999 or more

Club O Rewards

5
%
on overstock purchases
Earn Club O Rewards everywhere you shop
3
%
Cart Redeem
on apparel & department store purchases
2
%
on gasoline purchases
1
%
on all other purchases

Club O Benefits

FREE $19.95 Value
  • Free Returns
  • Price Match Guarantee
  • Extra Rewards Store Access
  • Double Rewards for Reviews

Learn More About Club OAlready have a Club O Account

Frequently Asked Questions

The Overstock Mastercard lets you enjoy exclusive Club O rewards and receive special financing1 while shopping on Overstock.com. The Overstock Mastercard can also be used anywhere Mastercard is accepted.

Good news—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. If you have questions about your application, please contact Citibank at 1-833-808-0180. (For TTY: We accept 711 or other Relay Service.)

Special financing offers are available. Some promotional financing is offered on a periodic basis. Please always check when a promotional plan expires. Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period.^

Once you're approved, you should receive your new Overstock Mastercard within 7-10 business days of your account opening.

There are no fees associated with opening an account or keeping an account open. However, you must make on-time payments to avoid fees.

The Overstock Mastercard does not have an expiration date. The card is valid as long as you use it. Inactive accounts may eventually be canceled for security purposes.

You can make payments and manage your account by signing in at www.overstock.accountonline.com or by calling 1-833-714-0051, (For TTY: We accept 711 or other Relay Service.)

If you have an Overstock Credit Card issued by Comenity Bank, please click here to pay your bill, or manage your account.

You can reach your Overstock Credit Services team by visiting www.overstock.accountonline.com or by phone at 1-833-714-0051, (For TTY: We accept 711 or other Relay Service.)

They can assist you with:
  • Paying your bill
  • Registering for online bill pay and paperless statements
  • Requesting a replacement for lost/stolen cards
  • Adding authorized users
  • Obtaining a copy of your billing statement
  • Answering questions about your account
  • Answering questions about your bill or transactions, including financing transactions
  • Updating your account information
  • Requesting a change to your credit limit
  • … and more!
If you have questions about your Rewards balance or order status, you can reach Overstock Customer Service at 1-800-843-2446.

If you have questions about your Rewards balance please visit: https://www.overstock.com/myaccount/clubo

If you're logged in using someone else's Overstock account that is already linked to an Overstock Mastercard, you'll need to log out of that account to apply for your own Overstock Mastercard.

Terms and Conditions