Big Lots is one of the most popular name brand that is loved by Americans. It is a national retail chain that is on the Fortune 500 list.

This company commenced operation in 1967 since then, it went further to established 1,445 stores across 47 states. It is incredible to know that, Big Lots is well known for selling living room sets and general everyday household items, with a full package for persons willing to refurbish their homes. 

The Big Lots huge expansion is a clear indication of the success it recorded, also evidence is the fact that this store serve all the needs of the people, Big Lots credit card now have in stock for loyal customers to purchase things without paying upfront.

Give us it a trial so can see everything involving the very interesting Big Lots credit card.

Finally Getting A Big Lots Credit Card

Information is key, therefore if you are willing to get a Big Lots credit card or any other, you are advised while in the market, to source critically to know the pros and cons of every card to identify which one suits your shopping purpose. 

Here, Travel Freedom will guide you about everything you need to know about the Big Lots credit card. After a thorough reading, you will get to know whether Big Lots is the ideal card for you; or rather opt for other options with an array of benefits.

Funny enough, the Big Lots credit card is seen as the ideal card when funds tend to be limited. The cardholders stand a chance to save because there is no annual fee.

This indeed is a boost hence there is a huge benefit for people like us because we genuinely dislike those extra fees. I know I do! In fact, let’s take a look at some of the great features that the Big Lots credit card offers:

  1. No annual fee – It affords you more time to pay off the balance.
  2. Special member offer – Special offers are for loyal customers who pay their bills timely.
  3. Flexible financing – The company is open to working with anyone who is in a temporary financial tie and need some time to pay off the balance. You are only qualified for this benefit if you make a qualifying purchase.

 Daily Purchases with the Big Lot Credit Card

When it comes to making everyday purchases, Big Lots credit card is guarantee and also the safer, including on snacks, hygiene products, outdoor stuff, entertainment devices, or anything else you can think of that will help out with your trip.

This then means you are covered with all the basic necessity while on road. The Big Lots store offer assorted of your essential goods, good enough; you can find them all across the country; majorly in cities.

Big Lots Credit Card |

Anytime you are approaching the metropolitan areas on the expressway, either by right or left turn on the exit ramp and ask OnStar, Siri, Alexa, the magic 8-Ball, or even a genie in a bottle for the directions to get there.

Every essential goods you can think of can be found on the shelves at this store. Many Big Lots customers regularly visit this store for the everyday sales, so you will not feel alone getting a discount with your Big Lots credit card.

Getting a Big Lots credit card is ideal for making really big, expensive purchases because you do not need to pay a high-interest rate.

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The Fees For The Big Lots Credit Card

This credit card APR is on a high side with 29.99%. The Big Lots card partners with Progressive Financing, which allows you to buy furniture as well.

This serves as a huge benefit for people who came new in cities to start life. Such newcomers need not pay a high-interest rate in a case like this. A Big Lots credit card affords me the financial means to act on those reckless, but necessary decisions.

Think twice, you can fully furnish your new apartment without paying a dime anytime soon. 

Is there any way to make money from credit cards without charging these fees? I think they are necessary. The minimum interest is 2%, but you will not need to pay interest on purchases of $250 or more if you pay the balance off within 6 months.

Moreso, if you pay off your big purchase that costs $750 or more within 12 months, then you are done and dusted with interest.

How to Apply For a Big Lots Credit Card

First and foremost, when you have a good record of credit score of 650 to 840, you stand a chance to apply.

Do yourself good and visit the Big Lots website and click Apply Now, or call the store to direct you to the proper customer service representative to complete the process.

Comenity Capital Bank is the issuer of this card; this bank issues many big store credit cards. It is the financial institution that determines whether you are eligible to get the card or not.

Just like it’s applied with any other credit card, there are minimum monthly payments that you are required to pay. One of the distinctive side of this card is that, have no worries even if you forgot it at home when you are out.

The clerk at the store can look through your account information on their computers and apply the purchase. Kudos to cashless mode of payments. This credit card is just the best for anyone who needs everyday things for travel.


The Rewards Programs

Customers are always interested in purchases that offer them rewards. It will interest you to know that Big Lots will not just sign you up for the rewards program except you apply.

This is called the Big Lots BIG Rewards, which can perfectly work with your Big Lots credit card. The rewards program gives you $5 with every three purchases and $10 on every $200 spent.

You will also get random shopping deals and various coupons.  When you spend a lot at Big Lots, it means you are saving a lot with the Big Lots credit card!

There are no criteria for anyone willing to sign up for the rewards program. People should be on the watch out for random special offers hence they come impromptu.

As soon as you started receiving emails with this content, endeavour to click the links to take advantage hence their scarcity. You stand a chance to increase your credit line when this request is made and its results in a reward. 

 Where this Card can be used

This card can only be used at the Big Lots stores. It is not transferrable to any other brands. Moreover, you don’t need to look elsewhere for any shopping hence Big Lot stores usually carry everything you need.

For others who also shop outside Big Lots, there might be better credit card options for you. We will explore further to check other better alternative credit cards for your consumption.

What About Paying That Daunting Bill?

Well, we must attest to the fact how difficult it has always been in paying bills. However, it does not really need to be a tough task again with the Big Lots credit card.

This company allows our bills to be paid using the phone. All you need to do is to call the customer service number at 888-566-4353, make an inquiry, and your bill is paid.

Also, you could send a money order in the mail from the currency exchange or post office. Personal checks or cashier’s checks can be used for payment as well.

 Big Lots Credit Card Login Information

Your payment or billing inquiry is 24/7 online and you can view that by logging into your account after applying for a Big Lots credit card. All you need to do is, just set up an account with a username and password.

This is to ensure the card is linked to a real bank account. Go to the Comenity Bank’s website to retrieve this information. For the information supplied and the outcome received is for real.

 The Annoying Late Payment Fees that comes with this Card

These fees are high in their nature but it all depends. In most cases the Big Lots credit card late payment fees can reach up to $38, even on a returned payment, which is very high.

However, if the person is responsible (we know you are), then you can avoid this penalty. All you need is to be very careful of what you spend and keep track of when you pay your bill.

 More about the Sign-Up Process

The basic things that you are required to provide after signing up for the card include:

  • Valid government issued ID
  • Last four digits of your social security number to verify your identity and determine your eligibility
  • Date of birth
  • Zip code

After due process and the card is issued, it will take 7-10 business days to get into your mail after the approval process is completed. You can always go online 24/7 for account management and get a paperless bill if you prefer to save the planet.

 Our Verdict on the Big Lots Credit Card

If you a type that only shop with Big Lots then this card will serve you better. However, if you are part of the people who shop at different places and using different cards, then, another card might fit your lifestyle better.

Good enough, we’ve found the best alternatives to getting a store credit card and have detailed them below. Here are our final pros and cons of the Big Lots credit card.


  • If you forget the card at home, the store associate can look up your account from the register and apply the purchase
  • Stylish; easy to find in the wallet
  • No annual fee
  • No interest if a purchase is paid in full during a certain time


  • Non-existent cashback offers
  • Cannot be used for online purchases
  • High-interest rate
  • High late payment fee
  • Poor customer service (according to some reviewers)
  • It can ONLY be used at Big Lots

The 3 Best Alternative Credit Cards to Consider

Is possible you can find this credit card as a better option. Most importantly if you want a card with benefits at more than just ONE store. There are plenty of credit cards out there that have much more valuable benefits and rewards.

If you have good credit, you should consider a few other options that will give you better card benefits. The credit cards below are a few of our favourites, especially if you’re interested in travelling more.

A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

Which Credit Card is the Best for You

At Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same just like us or maybe you would rather use your points as cashback. Either way, all of these cards earn ultimate rewards that can be used for either travel or as cashback.

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