ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site.
Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site.
Compensation from our advertising partners impacts how and where their products appear on our site,
including, for example, the order in which they may appear within review lists.
Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Big Lots Inc. is a retail corporation founded in Columbus, Ohio in 1960. Big Lots department stores sell a wide variety of products including furniture, toys, packaged food and beverages, housewares, clothing and small electronics. Big Lots has over 1,400 stores in 48 states. After splitting up their partnership with HSBC, Big Lots has now teamed up with Comenity Bank to bring shoppers the Big Lots credit card. The Big Lots card gives shoppers access to financing offers and many other Big Lots benefits.
Compare Big Lots Cards with the Other
Offers
|
Card Type
|
Big Lots
Shopping |
Use for any US Shopping
|
Intro APR on Purchases
|
Regular APR
|
Annual Fee
|
Sign-up Bonus
|
Excellent/Good Credit
|
Excellent Credit
|
Fair/Bad Credit
|
Fair Credit
|
![]() |
![]() |
![]() |
![]() |
Discover it® Cash Back | *See Terms | Citi Rewards+® Card | Surge Mastercard® | Big Lots Credit Card |
Unfortunately, we do not currently offer online application for this card |
|||
Credit Card
|
Credit Card
|
Credit Card
|
Credit Card
|
|
|
|
|
0% (14 months on Purchases)
|
0% (15 months on Purchases)
|
N/A
|
0% (6 or 12 months)12
|
11.99% - 22.99% Variable APR
|
13.49% - 23.49% (Variable)
|
25.90% - 29.99% (Variable)
|
29.99%12
|
$0
|
$0
|
$75 - $99
|
None12
|
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
|
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
|
N/A
|
No bonus offer12
|
Intro APR on Purch. |
Intro APR on Bal.Tr. |
Regular APR | Annual Fee | Balance Transfer Fee |
---|---|---|---|---|
0% (14 months on Purchases) | 10.99% (14 months on Balance Transfers) | 11.99% - 22.99% Variable APR | $0 | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* |
Intro APR on Purch. |
Intro APR on Bal.Tr. |
Regular APR | Annual Fee | Balance Transfer Fee |
---|---|---|---|---|
0% (18 months on Purchases) | 0% (18 months on Balance Transfers) | 14.74% - 24.74% (Variable) | $0 | Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum. |
Intro APR on Purch. |
Intro APR on Bal.Tr. |
Regular APR | Annual Fee | Balance Transfer Fee |
---|---|---|---|---|
0% (14 months on Purchases) | 0% (14 months on Balance Transfers) | 11.99% - 22.99% Variable APR | $0 | 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* |
Intro APR on Purch. |
Intro APR on Bal.Tr. |
Regular APR | Annual Fee | Balance Transfer Fee |
---|---|---|---|---|
N/A | N/A | 15.99% - 24.99% (Variable) | $0 | 3% of each balance transfer; $5 minimum |
Intro APR on Purch. |
Regular APR | Annual Fee | Balance Transfer Fee | Reporting Credit Bureaus |
---|---|---|---|---|
N/A | 17.39% (variable) | $35 | N/A | Yes |
Intro APR on Purch. |
Intro APR on Bal.Tr. |
Regular APR | Annual Fee | Balance Transfer Fee |
---|---|---|---|---|
N/A | N/A | 15.99% - 24.99% (Variable) | $450 | 3% of each balance transfer; $5 minimum |
Intro APR on Purch. |
Regular APR | Annual Fee | Balance Transfer Fee | Reporting Credit Bureaus |
---|---|---|---|---|
N/A | 9.99% (Fixed) | $48 | N/A | Yes |
Intro APR on Purch. |
Regular APR | Annual Fee | Balance Transfer Fee | Reporting Credit Bureaus |
---|---|---|---|---|
N/A | See Terms | See Terms | See Terms | Yes |
The Big Lots card is not affiliated with any major payment network. This means that this card can only be used for purchases at Big Lots locations. The Big Lots credit card is available for online application, as well as for in-store application. You can apply for it at one of the 1,400 Big Lots stores.
The Big Lots credit card comes with special financing offers. Big Lots will sometimes give cardholders the option to choose a no-interest for 12 months financing option. Big Lots shoppers can also become a Buzz Club rewards member. It gives shoppers access to more rewards and benefits including a 30-day receipt look up feature. This means if you were to lose a receipt the store can still handle your returns and exchanges up to 30 days after the purchase date. Buzz Club members also get advance notice of closeouts and buyouts. In addition, members are also given advance notice of special offers and advertisements. Members also receive exclusive access to attend VIP shopping events.
Big Lots may offer a lot of bonuses and benefits to Buzz Club members, but they don’t offer as many bonuses to Big Lots credit card holders. The Big Lots credit card also has a very high APR of 29.99%. In addition, Big Lots charges a $38 late payment fee. If you are ever late with your Big Lots card payment, you will be penalized with a $38 fee.
If you are someone who shops at Big Lots, and has a specific interest in taking advantage of financing options, you might like this card. On the other hand, if you are someone who doesn’t shop at Big Lots or if you don’t like high APRs this might not be the card for you. However, you may be interested in one of these cards.
Have a question regarding credit cards?
Ask our expert and get a FREE professional consultation by e-mail.
Please specify the following:All these fields are optional
By providing this information you help us make our news letters more useful and informative. Thank you!