refresh your home today
take up to 24 months to pay

When you use the Overstock store credit card on qualifying purchases*


Apply Now

Open an Overstock store credit card today to get 10% off your first order and take advantage of no-interest financing for up to 24 months.

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the deferred interest period, or if you make a late payment.

No Interest


With special financing offer

No Annual Fee


That's right, zero

No Gimmicks


Really!

It's the one card that makes it easy for you
to make your home your way.

Apply Now

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Terms & Conditions

* 10% off your first purchase with an Overstock Store Credit Card may only be used once and cannot be combined with any other offer nor past purchases and not eligible for promotional financing. Does not apply to items in current site promotions. Total discount limited to $5,000. Purchases of gift cards, Club O Memberships, and products from the “Electronics”, “Designer Store”, “Local Farm Fresh Box” stores, Special Sales, Minimum Advertised Priced products and from the “Books, Movies, Music & Games” and “Cars” categories are not included. Discount appears at checkout. Offer subject to end at anytime. Offer subject to credit approval.

* Promotional financing available with Overstock Store Credit Card Accounts offered by Comenity Capital Bank who determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required. Click here to learn more about Special Financing Options.

† Interest will be charged to your account (at the variable Purchase APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of $249 for the 6 month plan, $499 for the 12 month plan, $1499 for the 18 month plan, and $1999 for the 24 month plan. Overstock Store Credit Card accounts are offered by Comenity Capital Bank who determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $27. Standard variable Purchase APR of 27.99%, based on the Prime Rate. Minimum Interest Charge is $2.00, per credit plan. Subject to credit approval.

‡ Subject to credit approval. Overstock Store credit cards are issued by Comenity Capital Bank.

‡ See important Rate, Fee and other Cost information.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE at the See Important Rate, Fee and other Cost information link above for more information about prescreen offers.