The Overstock
Store Credit Card

Open & use it on your first purchase and
Earn $30 in Rewards
Purchase must be made within 90 days of account opening without a promotional financing plan w/ minimum purchase of $300**

Apply Now

Already a card holder?

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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Extended Financing

Card holders enjoy no interest for 36, 48, or 60 months. After that, variable purchase APR of 26.99%.

On eligible purchases of $1,000 for 36 months, $1,500 for 48 months, and $3,000 for 60 months made with your Overstock Store Credit Card at Overstock.com.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 financing1 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

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.§
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 Deferred§ 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 Minimum 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 and minimum interest charge.


2

2 Waived Interest, Equal Payment plan: 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. 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 and minimum interest charge. For exclusion details, select view eligible products above. As of 09/2020, terms for new Accounts: Variable purchase APR of 26.99%. Minimum interest charge is $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.


**

**Valid one time only. Offer is not available for purchases placed on a promotional plan. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received within 10 business days of order and applied to your account. Rewards will expire 90 days after date earned.


† 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.


Click here for important rate, fee, and other cost information.


§

§ Deferred Interest, Payment Required plan: 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. 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. 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 and minimum interest charge. As of 09/2020, terms for new Accounts: Variable purchase APR of 26.99%. Minimum interest charge is $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.

Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.


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