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Earn $30 Welcome Rewards on your first order

when you spend over $300 without Special Financing**
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Already a card holder? View statements and your bill here

Overstock Store Credit Card

Make your home into a place that inspires you. We’ll help you do it.

24 Month Financing Icon
Up to 24 Months Financing1

6 Months on purchases $249 or more
12 Months on purchases $499 or more
18 Months on purchases $1,499 or more
24 Months on purchases $1,999 or more
made with your Overstock Store Credit Card.

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Exclusive Offers

Receive discounts specifically for Card Holders

No Fee Icon
No Annual Fee

Savvy shopping shouldn’t cost extra.

Need another reason?

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Card Holders enjoy 0% APR financing for 36, 48 and 60 months on select products.
After that, variable purchase APR of 26.99%.2

View Eligible Products

Questions?

Contact card service provider, Alliance Data, at 1-855-810-2546 (TDD/TTY:1-888-819-1918).
Hours of Operation: 6 am-7 pm MT, Closed Sunday

The Overstock Store Credit Card lets you enjoy exclusive cardmember offers and receive special financing§ while shopping on Overstock.com. The card can only be used on Overstock.com.
Applying is simple, use the following link to apply: www.overstock.com/storecardapplication
There are no fees associated with opening an account or keeping an account open. However, You must make on-time payments to avoid fees.
You can contact card service provider, Alliance Data, for any questions related to your Overstock Store Credit Card at: 1-855-810-2546 (TDD/TTY:1-888-819-1918).
You can make payments and manage your account by signing in at https://d.comenity.net/overstock/ or by calling 1-855-810-2546 (TDD/TTY:1-888-819-1918).
The Overstock Store Credit Card 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.
The following plans are currently available with minimum purchase thresholds:
No interest if paid in full within 6 months with minimum purchase of $249§
No interest if paid in full within 12 months with minimum purchase of $499§
No interest if paid in full within 18 months with minimum purchase of $1499§
No interest if paid in full within 24 months with minimum purchase of $1999§
The Overstock Store Credit Card can only be used for Overstock.com purchases, not including purchases on Overstock-Hotels.com
You can request for credit limit increase by calling Comenity Capital Bank's Customer Care number:1-855-810-2546 (TDD/TTY:1-888-819-1918). Alternatively, you can request for credit limit increase by logging into account center -https://d.comenity.net/overstock/.
Contact customer service at 1-855-810-2546 (TDD/TTY:1-888-819-1918).

Terms & Conditions

Choose from convenient Deferred1 and Waived2 Promotional Payment Plans exclusively available with Overstock Store Credit Card

Not all promotional plans will be available at all times. The available promotional plan options will be displayed in checkout process.

1

1 Deferred Interest, Payment Required 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. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35.00 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of May 2020, terms provided for New Accounts: Variable Purchase APR of 26.99%. Minimum interest charge of $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.


2

2 Waived Interest, Equal Payment Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. The minimum payment for this Credit Plan will be the purchase amount divided by the promotional period length, rounded up to the nearest $1.00 (minimum $5.00).The sum of the required payments each billing period won’t be less than $35.00 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of May 2020, terms provided for New Accounts: Minimum interest charge of $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.


**

**Subject to credit approval. Valid one time only. Duplicate offers will not be accepted. Cannot be combined with special financing The entire transaction amount after discount must be placed on the Overstock Store Credit Card. Valid 90 days from the account open date. Rewards are given within 10 business days of order.


† Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Maximum of Total Discount Limited to $5,000. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. The entire transaction amount after discount must be placed on the Overstock Store Credit Card. Does not apply to items in current site promotions. Purchases of gift cards, Club O Memberships, and products from the “Electronics”, “Books & Movies”, “Sports & Toys”, “Pet Supplies”, “Health & Beauty”, “Designer Store”, “Baby” stores, from the “Housewares” department and from Special Sales, Minimum Advertised Priced products, “Grills & Outdoor Cooking”, “Large & Small Appliances”, “Kitchen Furniture”, “Showers”, “Office Supplies”, “Cookware” and “Cars” stores are not included.. For qualifying items, product page price will show, ‘Today After Coupon.’ Discount appears at checkout. See site for details, exclusions and limitations. Offer subject to end at any time. Account must be in good standing at time of transaction.
Credit card offers are subject to credit approval.
Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.


‡ Standard variable Purchase APR of 26.99%, based on the Prime Rate. Minimum Interest Charge is $2.00, per credit plan. Subject to credit approval. Click Here for important Rate, Fee and other Cost information.


§

§ Subject to credit approval. Valid for single transaction only. Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.


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