Overstock Credit Card Login, Online Account Access, Apply, Card Services

The Overstock credit card is a retail credit card offered in partnership with Comenity Bank that provides special financing and discounts for Overstock.com purchases. With this card, cardholders can earn rewards on Overstock purchases and potentially finance big-ticket Overstock items over time.

Overstock credit card

How to apply for Overstock credit card?

Applying for the Overstock Store Credit Card is quick and easy, either online or by phone. The basic eligibility requirements are:

  • Good to excellent credit (660 FICO score or higher recommended). Those with no credit history may still be approved.
  • Must be at least 18 years old

To submit an application online, just go to the credit cards section of Overstock.com and click “Apply Now.” It takes less than 5 minutes to fill out the secure application.

You’ll get a decision in seconds on whether you’re approved. If approved, you can start using your card account number immediately on Overstock.com.

To apply by phone, call 1-800-671-3172. An associate will guide you through the application process.

Approval odds are generally good for those meeting the basic requirements. Having good credit can help your chances.

Pros & Cons of Overstock credit card

Before applying for the Overstock Store Credit Card, weigh the key pros and cons:


  • 5% rewards on Overstock purchases
  • Special financing offers
  • Extra discounts


  • High 26.99% variable APR
  • Foreign transaction fee
  • Can only be used at Overstock

So if you frequently shop Overstock.com for furniture, rugs, home furnishings and more, the 5% rewards and financing offers can be valuable. But make sure to pay your bill on time and in full each month to avoid high interest charges.

Online Account Access

Managing your Overstock credit card account online is simple through the Comenity Bank website.

Overstock Credit Card Login

You can log into your account anytime at ComenityBank.com. Just look for the link to log into Overstock credit card account and enter your user ID and password.

If you’ve forgotten your login info, use the self-service options below:

Register Online

If you don’t already have an online account, you can set one up by providing some basic personal information and creating a user ID and password.

Forgot Password

Use the forgot password form and enter your user ID. You’ll answer some security questions and can then reset your password.

Forgot User ID

Don’t remember your user ID? Call the number on the back of your card and a customer service representative can assist with looking up your user ID after verifying your identity.

Once logged into your account, you can view statements, make payments, manage notifications and more.

Benefits of Overstock Comenity Bank Credit Card

The Overstock credit card comes with a handful of valuable benefits:

Rewards – Cardholders earn 5% back in rewards dollars on the first $5,000 in Overstock purchases per year. That essentially amounts to 5% cash back to redeem at Overstock.

Special Financing – The card provides 6 to 24 months special financing on Overstock purchases over $150. So if you are buying furniture, rugs or other big items, this financing offer allows you to spread out payments over time.

Additional Discounts – Cardholders may periodically receive extra discounts on Overstock purchases as well, such as 20% off a single item. Discounts will vary.

OverstockTM Store Credit Card Review

For frequent Overstock shoppers, the Overstock Store Credit Card can provide nice perks. Cardholders earn 5% back in rewards dollars to redeem at Overstock.com and get access to special financing offers on big Overstock purchases.

However, the card does come with a high 26.99% variable APR. You’ll want to pay off your purchases in full each month to avoid paying interest.

Overall, if Overstock is your go-to for home goods and furniture, the 5% rewards and financing offers make this card worth considering. Just be sure to practice good credit card habits, like paying on time and keeping your utilization low.

Overstock Credit Card Services

The Overstock Store Credit Card is issued by Comenity Bank. Account services such as billing, payments and fee waivers are handled by Comenity.

Here is the contact information for managing your Overstock credit card account:

Overstock Credit Card Bill Pay Phone Number: 1-800-882-0602

Overstock Credit Card Payment Address:

Comenity Bank PO Box 659707 San Antonio, TX 78265-9707

Customer Service Hours: 24/7

Contact Comenity Bank at the number above for any account-related questions. Customer service reps can assist with payment issues, credit limits and more.

Does Overstock credit card have a cash back or rewards program?

Yes! The Overstock credit card offers a rewards program where cardholders earn 5% back in rewards dollars on all Overstock purchases – up to $5,000 in spending per year.

So if you spend $5,000 or more at Overstock.com in a year with your Overstock card, you’ll earn $250 in rewards dollars. Those rewards can be redeemed for purchases at Overstock, essentially getting you 5% cash back.

This generous 5% rewards rate on Overstock purchases is the main perk of this store-branded credit card.

How to Pay Overstock Store Credit Card?

You have several convenient options for making your monthly payments on the Overstock credit card:


The quickest way to pay your bill is through your online account access. Log in at ComenityBank.com and you can make one-time or recurring payments.

By Phone

Call 1-800-882-0602 to make a payment over the phone using a bank account, credit card or debit card. Automated payments can also be set up.

By Mail

Send a check or money order to:

Comenity Bank
PO Box 659707 San Antonio, TX 78265-9707

Be sure to include payment stub from your bill.

Via the Mobile App

Download the Comenity Bank app to check your balance, make payments and manage notifications right from your mobile device.

Paying on time and in full each month is important to avoid interest charges, late fees and other penalties that can add up. The APR is a variable 26.99%, so carry a balance only if needed.

What are the relevant APRs for Overstock credit card?

The Overstock Store Credit Card has the following variable APRs:

  • Purchases: 26.99%
  • Balance Transfers: 26.99%
  • Cash Advances: N/A (No cash advances allowed)

So all credit transactions on the card, whether new purchases or transferred balances, accrue interest at 26.99% if a balance is carried from month to month. That’s a relatively high rate compared to other credit cards on the market.

To avoid interest charges, try to pay off your full statement balance by the due date each month. Only carry a balance when you take advantage of a special financing offer from Overstock when buying eligible big ticket items.

Does Overstock credit card have an intro APR offer on balance transfers?

Unfortunately, the Overstock credit card does not offer a reduced introductory APR on balance transfers. All transferred balances will accrue interest at the ongoing purchase rate of 26.99% variable APR, if not paid off entirely.

While there is no temporary low intro APR, this card still allows cardholders to transfer high interest credit card balances from other banks to finance Overstock purchases over time. Just know that you’ll pay a high 26.99% variable rate unless paying off the transfers right away.

Does Overstock credit card have an intro APR offer on new purchases?

The Overstock Store Credit Card does not offer an intro 0% APR deal on purchases. All new purchases will accrue interest at 26.99% variable APR if a carried balance exists when the billing cycle closes.

While there’s no temporary intro rate, this card does provide 6 to 24 month special financing offers on eligible Overstock purchases over $150. So for big ticket Overstock items, you may be able to finance the purchase over time without interest.

Any purchases that don’t qualify for special financing will start accruing interest at 26.99%, though, so you have to pay in full each month.

How to Avoid Late Fees?

To avoid paying late fees on your Overstock Store Credit Card, be sure to make at least the minimum payment due by the payment due date each month. Late fees can run as high as $40, so you’ll want to avoid them.

Follow these tips to steer clear of late fees:

Make Your Payments on Time

Set up automatic payments or payment reminders to ensure your payment arrives by the due date. Online and mobile payments post immediately, while mailed payments may take longer to process.

Pay More Than the Minimum Payment

Paying just the minimum due increases interest charges over time and leads to a higher balance. Pay more than the minimum when possible.

Use Automatic Payments

Set up autopay through your online account so your full statement balance or a fixed amount is automatically paid each month by the due date.

Keep Your Balance Low

Don’t let your balance get too high compared to your credit limit, as that leads to higher interest charges. Try to keep it under 30 percent.

Don’t Close Your Account

As long as your account remains open and in good standing, you can continue to take advantage of card benefits and special offers.

Avoiding late fees requires diligently making payments on time each month and keeping card use within your budget. Contact Comenity Bank if you anticipate having trouble making payments.

Key Takeaways

The Overstock Store Credit Card can provide nice perks for dedicated Overstock.com shoppers. You get 5% back in rewards to redeem at Overstock and special long-term financing options. But it also comes with a high 26.99% variable APR, so full monthly payments are essential.

Overall, frequent Overstock customers can benefit from this card’s rewards program and financing deals. Just practice good credit habits to minimize interest charges. Apply online at Overstock.com or call 1-800-671-3172.


Q: Does the Overstock credit card have an annual fee?

As of today, October 26, 2023, the Overstock credit card does not have an annual fee. This information remains accurate despite the change in date since our previous conversation on January 23, 2024.

The Overstock Mastercard, issued by Citibank, continues to offer several benefits without an annual fee:

  • 5% rewards back on Overstock.com purchases, making it a valuable option for frequent Overstock shoppers.
  • Free Club O membership, which includes benefits like free returns, price match guarantee, and double rewards for reviews.
  • Additional rewards opportunities at Bed Bath & Beyond and on gas stations.

Q: What is the credit limit on the Overstock card?

Unfortunately, there’s still no publicly available information about the specific credit limit range for the Overstock Mastercard. As mentioned in our previous conversation, credit card issuers like Citibank determine credit limits based on individual factors like your:

  • Credit score
  • Income
  • Existing credit lines

Q: Can the Overstock credit card be used anywhere besides Overstock.com?

My apologies for the confusion about the Overstock credit card! Based on the most recent information, it seems there are two options with differing functionalities:

  1. The Overstock Store Card: This card used to be available but is no longer offered as of October 26, 2023. It could only be used for purchases on Overstock.com.

  2. The Overstock Mastercard: This card is issued by Citibank and can be used anywhere Mastercard is accepted, not just on Overstock.com. So, you can use it for online and in-store purchases at millions of merchants around the world.

Q: How long do I have to pay back special financing purchases on my Overstock card?

To answer your question accurately, I need some additional information about the specific “special financing” you’re referring to. The Overstock Mastercard offers a couple of different special financing options with varying repayment terms:

1. No-Interest Promotional Plans:

  • These plans offer 0% interest if you pay off the entire balance within a specific timeframe, ranging from 6 months for purchases of $249 or more to 24 months for purchases of $1,999 or more.
  • If you don’t pay off the balance in full by the deadline, you’ll be charged interest on the entire purchase price at the regular APR (currently 29.99%).

2. Long-Term Financing:

  • This option offers a lower APR (currently 9.99%) for longer repayment terms, ranging from 24 months for purchases of $1,000 or more to 60 months for purchases of $3,000 or more.
  • Interest accrues from the purchase date, even if you make minimum monthly payments.

Therefore, the timeframe for paying back your special financing purchases depends on the specific plan you chose and whether you make timely payments.

Q: Are there foreign transaction fees with the Overstock credit card?

Fortunately, you can enjoy peace of mind when traveling abroad with the Overstock Mastercard, as it does not charge foreign transaction fees. This means you won’t be hit with any additional charges on top of the exchange rate when making purchases in a foreign currency.

Here’s a handy table summarizing the fee structure for your reference:

Annual Fee$0
Foreign Transaction Fee0%
Cash Advance Fee$10 or 5% of the amount, whichever is greater

So you can swipe away with confidence at any merchant that accepts Mastercard overseas, knowing you’re only paying the listed price in the local currency. This can be a significant advantage compared to other credit cards that tack on additional fees for international transactions, which can eat into your travel budget.

Here are some additional benefits of using the Overstock Mastercard abroad:

  • No currency conversion fees: You’ll only pay the exchange rate set by Mastercard, without any markups from Overstock or Citibank.
  • Mastercard benefits: You’ll have access to Mastercard benefits such as purchase protection and extended warranties, which can provide extra peace of mind while traveling.
  • Rewards potential: You can still earn rewards on your foreign purchases, with 2% back on gas station purchases and 3% back on net eligible purchases at department stores and apparel stores (excluding superstores, supermarkets, and warehouse clubs).

Overall, the Overstock Mastercard is a great option for travelers who want to avoid foreign transaction fees and earn rewards on their international spending.

Remember, while the Overstock Mastercard doesn’t charge foreign transaction fees, it’s always a good practice to inform your bank about your travel plans to avoid any potential fraud alerts or holds on your account.

Q: How do I check my Overstock credit card application status?

1. Overstock Store Card (no longer available):

Since this card is no longer offered, you wouldn’t be able to check the application status anymore. If you applied before October 26, 2023, you might have received a notification regarding your application’s outcome. You can double-check your email or contact Comenity Capital Bank at 855-810-2546 for assistance.

2. Overstock Mastercard:

For the Overstock Mastercard issued by Citibank, there are two ways to check your application status:

  • Online: This option is not currently available for the Overstock Mastercard. Citibank’s website doesn’t allow checking the status for store cards like this one.
  • Phone: You can call Citibank customer service at 1-866-606-2787. When prompted, either say “application” or press 1. Then, you can choose to provide your reference number or your Social Security number (SSN) to identify your application. An automated system or a customer service representative will tell you if your application is pending, approved, or denied.

Remember, it’s crucial to have one of your application identifiers (reference number or SSN) readily available when calling Citibank. They won’t provide any information without verifying your identity.

Here are some additional things to keep in mind:

  • Application processing times can vary depending on various factors. Typically, you can expect a response within 7-10 business days.
  • If your application is pending, it doesn’t necessarily mean it’s denied. Citibank might need additional information from you before making a decision.
  • If your application is denied, you can request a reconsideration by contacting Citibank customer service. However, they’re not obligated to approve your application upon reconsideration.

Q: What is the Overstock credit card late payment fee?

The Overstock Mastercard (issued by Citibank) has two different late payment fees depending on your recent history of late payments:

  • $30: If you haven’t had a late payment fee charged within the previous six billing periods.
  • $41: If you have been charged a late payment fee within the previous six billing periods.

It’s important to remember that incurring a late payment can also:

  • Raise your APR (Annual Percentage Rate), resulting in higher interest charges on your outstanding balance.
  • Negatively impact your credit score, which can affect your ability to obtain credit in the future and potentially increase interest rates on other loans you have.

Therefore, it’s crucial to make your minimum payments on time to avoid these unpleasant consequences. Here are some resources that can help you manage your credit card payments:

  • Citibank Online Account: You can set up automatic payments to ensure your minimum balance is always paid on time.
  • Mobile App: Manage your account and make payments on the go.
  • Citibank Customer Service: If you’re having difficulty making a payment, contact Citibank customer service at 1-800-408-5256. They may be able to offer assistance or suggest alternative solutions.

Remember, responsible credit card usage is key to keeping your finances healthy. Be mindful of your spending, make regular payments, and avoid late fees to maintain a good credit standing and enjoy the benefits of your Overstock Mastercard.

Q: How do I activate my Overstock store credit card?

As of October 26, 2023, the Overstock Store Credit Card is no longer offered. This means you wouldn’t have the opportunity to activate a new card.

If you already had an active Overstock Store Credit Card before October 26, 2023, it should still be functional for purchases on Overstock.com. However, keep in mind that the program is being phased out, and the card will expire and no longer be usable on July 17, 2024.

If you had an inactive Overstock Store Credit Card and haven’t used it for a while, it’s likely been canceled due to inactivity. You wouldn’t be able to activate it anymore.

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