Our Big Lots credit card review will break up all the bonuses of this credit card, offering you a detailed analysis of the card. Learn about the pros and cons of this card, as well as about its interest rate and a recommended credit score.
Big Lots Credit Card Review
Annual fee: $0.
Purchase APR: 29.99% variable.
Recommended credit score: from 620 to 850.
Most suitable for: customers who want to make big purchases at Big Lots.
- Special financing after making a qualifying purchase.
- Special offers for cardholders.
- No annual fee.
Among the entire massive amount of store branded credit cards, the credit card from Big Lots tends to offer little value. Unfortunately, the card comes with doubtful features, providing a little incentive to the Big Lots shoppers to get it. But let’s consider this card in detail.
First of all, the BL credit card comes without an annual fee – that’s natural among such credit cards. But after that, the number of the card’s advantages ends. It also has a staggering interest rate of 29.99% – that’s too much even for store branded credit cards. Late payment and returned payment fees may be as high as $38.
When it comes to the features this card offers, they are definitely very poor. As we have already mentioned in this Big Lots credit card review, the card offers only one feature: special financing for Big Lots customers on qualifying purchases. At the moment of writing this article, there were two project financing options:
- 6-month long project financing for purchases of $250 or more.
- 12-month long project financing for purchases of $750 or more.
If you get one of these financing options, make sure to pay it on time. If you miss a payment or don’t pay the full sum by the end of the financing period, you will have to pay the entire sum with the interest rate on the entire sum of the financing (that’s called deferred interest). Considering that the interest rate on this card is 29.99%, you will incur hefty losses if you don’t pay your financing on time.
Another thing to keep in mind is that the company states that the financing conditions may change. One reason for that might be your credit score. If your credit score is too low, it is viable that you will not have so favorable financing conditions. But apart from that, the company states that it may change the financing policy anytime.
As you can see from our Big Lots credit card review, this card barely offers any reasonable features in order to get it. Of course, it comes without an annual fee. But there are plenty of other credit cards you can apply for, which will provide you with far more decent bonuses.
The BL credit card clearly lacks sound bonuses. Even though it comes without an annual fee, the staggering interest rate makes it impossible to use the card freely. You can take advantage of the card’s special financing, but there is no guarantee that you will be accepted for it.
Pros:
- Several options of special financing.
- No annual fee.
- Lack of features.
- No cash back rewards.
- Extremely high interest rate.
- The card cannot be used elsewhere than in Big Lots stores.
Big Lots Credit Card Login
Once you have obtained a credit card from Big Lots, you can use it online for purchasing goods from Big Lots, paying the card, or checking your balance. But in order to do that, you have to complete a simple login process. At this point of our Big Lots credit card review, we will show you how to sign in to your credit card account.
- In the first place, you should click on the following button in order to access the page of Comenity Bank:
- Right after doing so, you will notice an online banking form, placed on the left side of the page. Actually, that’s the place where you can complete the Big Lots credit card login process.
- At first, enter your username in the first field of the online banking form.
- Next, you should enter the password of your credit card account in the second field.
- You are also able to check the box near “Remember Me” – that will allow you to save your username for future sessions.
- At the end, you should click on the “Sign In” button and access your credit card account.
- Right after that, you will be able to do any things with your credit card account online.
Big Lots Credit Card Payment
When it comes to paying your credit card from Big Lots, there are two ways to do it. Here are the methods of paying your BL credit card:
- By phone. For that, you should just call 1-888-566-4353 and express a wish to pay your credit card. Then, just follow the instructions received from the operator.
- Through online banking. For that, you should simply complete the steps from the previous “Login” section, access your credit card account online, and pay your card there.
Apply for Big Lots Credit Card
If you still haven’t got a credit card from Big Lots, you can do it right now. What’s really good about the application process is that you can complete it fully online. This part of the Big Lots credit card review will demonstrate you how to apply for a credit card from this company.
- In order to apply for a Big Lots credit card, you should access the page of Comenity Bank. For that, please click on this button:
- Once you have done that, you should click on the “Apply” button – you can find it in the center of the page.
- Following it, you will get to see the page with an application form. At first, read the terms of using this credit card.
- Next, scroll down and start filling out the application form. Start by entering your first and last name, social security number, date of birth, and annual income.
- Then, proceed further by providing your contact address, phone number, and email address.
- Following it, you will be able to add an authorized buyer. That will allow you to make purchases with your credit card before it actually arrives. If you want to do it, you should select “Yes.”
- Once you are done with filling out the application form, you should click on the “Continue” button.
- Then, complete the remaining steps and finalize the application process.
- At the end of it, you will get to see whether you have been approved for the card. If you haven’t got to see the result, it may take up to 10 days to consider your application.
Alternatives to Big Lots Credit Card
As you could understand from our Big Lots credit card review, this credit card is definitely not among the best performing ones on the market. Actually, there are plenty of better offers out there. That is why we will provide you with some alternatives to the BL credit card at this point of our review.
Discover It Secured Credit Card
Purchase APR: 24.99% variable.
Recommended credit score: from 350 to 629.
Most suitable for: customers who want to enjoy cash back rewards with poor credit.
Credit card features:
- The credit card requires you to make a deposit of at least $200, which will serve as your credit line.
- Earn 2% cash back on gas and restaurant purchases of up to $1,000 per quarter.
- Earn 1% cash back on all other purchases.
- Intro offer: Discover will double the cash back you received during the first year.
- Discover will start reviewing your account after 8 months in order to see whether you are eligible for an unsecured credit card.
Even though this credit card from Discover is a secured one, it offers quite decent bonuses. But what’s more important is that the customers with a poor credit score (starting from 350) are eligible for this credit card. But let’s look in detail and find out what this card can offer.
First of all, you need to make a deposit anywhere from $200 to $2,000 in order to get this credit card. That’s a completely refundable deposit, which will serve as your credit line. But considering that the staggering APR of the Big Lots card makes it almost impossible to use its credit funds, the deal from Discover doesn’t seem so bad.
But what is really striking about the Discover card is the rewards on offer. Many credit cards for customers with poor credit barely offer any decent bonuses. But this card from Discover offers quite a good selection of rewards. You will get 2% cash back on restaurant and gas purchases for up to $1,000 per quarter. Apart from that, you will also enjoy unlimited 1% cash back on all other purchases.
At the end of the first year, Discover will double all the cash back you earned during the first year. In a result, customers with a poor credit can get cash back from 2% to 4% during the first year. That’s an offer you are unlikely to find elsewhere, and this is a credit card that definitely beats the BL card that we have just reviewed.
FAQ
Q: What is the lowest credit score for a Big Lots card?
As we have pointed out in this Big Lots credit card review above, you need to have a credit score of at least 620 (fair) in order to get this card. However, you are much more likely to get the card if your credit is good or excellent.
CHECK CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED
Q: How can I check the status of Big Lots credit card?
In order to get to know the status of your Big Lots card, you should call on the following phone number: 1-888-566-4353.
Q: How to check the status of Big Lots credit card application?
As we have just pointed out above, you can get to know the status of your application by making a call. Typically, applicants receive the results right after submitting their applications. But if it happened differently to you, then you should call on the following phone number: 1-888-566-4353.
Q: How long does it take to get a Big Lots credit card?
The entire process may take anywhere from a few days till 2-3 weeks. That also depends on whether your application has been approved instantly or not.
Q: How long does it take to receive your Big Lots credit card?
From the moment of getting approved right to receiving your card in the mail, it may pass from 2 days to 3 weeks.
Q: How easy is it to get a Big Lots credit card?
As you could read in our Big Lots credit card review, you need to have at least a fair credit in order to get a credit card from Big Lots. Therefore, we believe that it’s generally not hard to get a credit card from Big Lots.
CHECK CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED
Q: Who issues Big Lots credit card?
Comenity Bank issues credit cards for Big Lots. This bank also issues cards for a number of other companies, including Hot Topic and Trek.
Q: What are the requirements for a Big Lots credit card?
As we have pointed out in several answers above, you need to have a credit score of at least 620. Apart from that, you must also be a U.S. citizen and be aged over 18 years old.
CHECK CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED
Q: What kind of purchases can I make with my Big Lots credit card?
As a matter of fact, you may make any purchases with your credit card from Big Lots. However, you can make those purchases only at the stores of this chain.
Q: Where can I use Big Lots credit card?
As we have stressed in the answer to the previous question, you can use your BL credit card only at Big Lots stores. That’s caused by the fact that this credit card is not connected to a major network, such as Visa or MasterCard.
Q: How to apply for a Big Lots credit card?
If you are seeking how to submit an application for a BL credit card, you can do it completely online. In case you need exact instructions on how to submit your application online, please follow the steps from the “How to Apply” section of our review.
Q: How do I apply for a Big Lots credit card?
As we have replied in the answer to the previous question, you should follow our guidelines from the “How to Apply” section of this page.
Q: How to pay my Big Lots credit card?
There are two ways how you can pay your credit card from Big Lots: by phone or through online banking. If you prefer the first way, you should call on this number: 1-888-566-4353. In the second case, you should follow the guidelines from the “Login” section and access your credit card account. There, you will be able to pay your card.
Q: Where can I pay my Big Lots credit card?
We have pointed out in the previous answer that you can pay your credit card in two ways: by phone call or via online banking. Please, follow the guidelines from the previous answer on how to do it.
Q: What are the monthly payments for a Big Lots credit card?
The amount of monthly payments depends on the amount you spend, your special financing period, and a big purchase you have made for getting that special financing. Keep in mind that if you pay an interest rate, a single charge will be no less than $2.
Q: How to withdraw cash from Big Lots credit card?
Considering that a credit card from Big Lots is not connected to a major network, you cannot withdraw cash from it. Unfortunately, you can only pay in-store and online with this credit card.
Q: How to use Big Lots credit card online?
Before you will be able to use your BL credit card online, you need to add an authorized buyer. Follow the instructions from the “Apply” section in order to see how to do it. Then, just log in to your credit card account and use it on the website of Big Lots.
Q: How to cancel Big Lots credit card?
In order to close a credit card from Big Lots, you must call on the following phone number: 1-888-566-4353.
