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Big Lots Credit Card Review (BONUS: 3 Better Alternative Credit Cards)

Big Lots is a national retail chain that is on the Fortune 500 list, carrying the most popular name brand items that we as Americans absolutely love. This company opened its doors in 1967 and has constructed approximately 1,445 stores across 47 states since then. Wow. Known for selling living room sets and general everyday household items, this store has the full package for a person hitting the road or simply wanting to refurbish their home.


Because of Big Lots’ huge success and extensive history, and the fact that this store carries everything a person needs, there is now a Big Lots credit card available for loyal customers to purchase things without paying upfront. Step into our world so we can show you everything involving the very interesting Big Lots credit card.


Finally Getting A Big Lots Credit Card

So, you are in the market for a new credit card. Maybe you need an extra boost when emergencies pop up or maybe you just want a credit card from a store that you shop from often. Travel Freedom will discuss everything you need to know about the Big Lots credit card. After reading this, you’ll know whether to get this card or maybe a different card with more versatile benefits.


The Big Lots credit card is the perfect companion when the funds get tight. It hops up and saves the day because there is No annual fee. That alone 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 – You have more time to pay off the balance.
  2. Special member offer – For loyal customers who pay their bills on time.
  3. Flexible financing – The company will work with you if you are in a temporary financial bind and need some time to pay off the balance. You are only qualified for this benefit if you make a qualifying purchase.


Check out the Physical Condition of the Big Lots Credit Card

Let’s rotate the Big Lots credit card around like it is on display at a museum to analyze its special physical features. The front top half has a solid black color, but the words “Big Lots!” are in a large white font – almost jumping off the card’s surface into your face. Pretty cool?


The bottom half, separated from the top half by a straight line, is all orange with your unique credit card number along with your first and last name on the front. Additionally, if you turn the card to the back, you will notice that it has all the traditional markings of a credit card, including the black magnetic strip that processes the payments and the CCV numbers. Nothing’s special there. Just like any other credit card, it can easily slide inside your pockets or wallet.


Everyday Purchases with the Big Lot Credit Card

The Big Lots credit card is a good and safe way to make everyday purchases, including on snacks, hygiene products, outdoor stuff, entertainment devices, or anything else you can think of that will help out with your trip. That means you should not be without any basic necessity while on road. The Big Lots store has an assortment of necessary goods, and luckily there are many of them across the country; mostly in or around the major cities. So, when you are approaching these metropolitan areas on the expressway, bust that 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.

Anything and everything that you can think of is on the shelves at this store. Many Big Lots customers frequent this store just 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.


What Are The Numbers & Fees Looking Like For The Big Lots Credit Card?

The purchase APR is 29.99%, which is pretty high for a credit card. After partnering with Progressive Financing, the Big Lots credit card allows you to buy furniture as well. That is a huge benefit for people starting new lives in new cities. So, you would not need to pay a high interest rate in a case like this. A Big Lots credit card gives me the financial means to act on those impulsive, but necessary decisions.

Think about it, you can fully furnish your new apartment without paying a cent anytime soon. I always travel for spiritual reasons. When my gut tells me to go; I go! However, if I do not have the financial means to depart from my current situation, then my fate has been sealed. That’s the way I look at things.


How else can credit cards make money without charging these fees? 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. Moreover, if you pay off your big purchase that costs $750 or more within 12 months, then bye bye interest.

big lots credit card review


How Can You Apply For a Big Lots Credit Card?

Great question. First, you need to have a credit score of 650 to 840. If you do, then you are in the ball game.


Just visit the Big Lots website and click Apply Now, or call the store and they will direct you to the proper customer service representative to complete the process. The card is issued by Comenity Capital Bank; a bank that issues many big store credit cards. This will be the financial institution that determines whether you are eligible to get the card. You will really need to appease them, sire.


Like with any credit card, there are minimum monthly payments that you are required to pay. One unique aspect about this card is that if you happen to forget it at home, no worries. You do not need to turn around and drive several hours to get your Big Lots credit card. The clerk at the store can look up your account information on their computers and apply the purchase. Say hello to cashless and plastic-less payments. This credit card is best for anyone who needs everyday things for travel.


What About The Rewards Programs?

People love the idea of getting rewards for their purchases. However, Big Lots will not sign you up for the rewards program unless you apply. It is called the Big Lots BIG Rewards and can 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. If you plan on spending a lot at Big Lots, then you will save a lot with the Big Lots credit card!


Anyone is eligible to sign up for the rewards program. Just make sure to stay on the lookout for the random special offers that are often sent unannounced. When those offers come rolling into that email, make sure to click the links and take advantage because they are scarce. Your credit line can always increase upon making a request, which would be a reward to you.


Where Can You Use This Card?

You can only use this card at Big Lots stores. It cannot be transferred to other brands. However, Big Lot stores usually carry everything you need so there is no need to shop anywhere else. Right?


Well, if you’re someone who doesn’t ONLY shop at Big Lots, there might be better credit card options for you. We’ll go through the best alternative credit cards in a bit.


What About Paying That Daunting Bill?

Daunting bill? Really? Well, come to think about it, we all know how daunting paying a bill can be. However, it does not have to be a grueling task anymore with the Big Lots credit card. The company allows you to pay your bill by phone. Just call the customer service number at 888-566-4353, create the inquiry, and voila – your bill is paid. You could also 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

You can always view any payment or billing inquiry 24/7 online by logging into your account after applying for a Big Lots credit card. Just set up an account with a username and password. Just so you know, this card is linked to a real bank account; therefore, you can go to the Comenity Bank’s website to retrieve this information. Everything is legit on both ends. Just enroll and view.


What About Those Annoying Late Payment Fees?

Sometimes the Big Lots credit card late payment fees can reach up to $38, even on a returned payment, which is very high. However, if you are a responsible person (we know you are), then you can avoid this penalty. Just stay careful of what you spend and keep track of when you pay your bill.


More about the Sign-Up Process

You be asked to provide the following information after signing up for the card:

  • 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


When the card gets issued, it will take 7-10 business days to arrive in the mail after the approval process completes. You can always go online 24/7 for account management and get a paperless bill if you prefer to save the planet.


Our Final Thoughts on the Big Lots Credit Card

If you only shop at Big Lots it might be a great fit for your wallet. But, if you’re like most people and spend money at an assortment of places, another card might fit your lifestyle better. Fortunately, 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 cash back 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

big lots credit card alternatives


The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. Especially 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 favorites, especially if you’re interested in traveling 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 Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. 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.


 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Big Lots Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 1
Chase Freedom Unlimited
Big Lots Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 2
Sapphire Preferred
Big Lots Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 3
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. Learn More >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. Learn More >> Full Disclosure: We may earn a commission if you click this link, at no additional cost to you.


Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. or as cash back Full Disclosure: We may earn a commission if you click this link, at no additional cost to you. .


We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

About Ryan

Ryan loves to travel. He learned the power of using points and miles for travel way back in 2012 and hasn't looked back. Ryan's favorite place to travel is to Hawaii, where he's explored each of the main islands. Travel has changed his life for the better and opened him up to new experiences!

Advertiser Disclosure: Travel Freedom has partnered with CardRatings for our coverage of credit card products. Travel Freedom and CardRatings may receive a commission from card issuers.