Big Lots Credit Card for the USA-Best Credit in the USA

Definitely, Big Lots credit card has awesome welcome bonus and rewards. After registering as a new member you will get 15% off at first purchase. Without a doubt, card holder has opportunity to earn $5 reward after every three purchases. Big Lot is specialized in furniture that includes sofas, love seats, recliners, dining rooms, bedroom and mattresses products. Surprisingly, card holder will get $10 bonus for every $200 spent for furniture. In fact, with this card you have special rewards for indoor furniture, patio furniture and mattresses. Beauty of this card is that throughout the year you will enjoy 20% off by special promotional offers. 

Extra Features

First, Big Lot credit card is suitable for military persons to get extra 10% discount. Active military person can get $5 with 3 times buying. To create customer loyalty, every card holder got a special birthday bonus. Second, card have feature of free shipping at buying of $59 and more. Obviously, one quality that makes this card unique is its zero annual fees. Issuer of card is Comenity Capital Bank because Big Lots is not a financial institution. 

Some drwarbacks

Despite of too many benefits, this card has some drawbacks. Big Lot credit card is not a fledge credit card, it is a store or retailer card. You cannot use this card everywhere. Rewards can be redeemed at Big Lots buying only. Further you have to redeem rewards within 17 days otherwise these will expire. However with store buying, you can consume rewards for rentals, deposits, donations, dairy products, eggs, gift card and tax exempted products. 

Requirement to apply Big Lots Credit Card

Naturally, If you meet following criteria than you are eligible for the card.

  1. Age of maturity that is 18 years or plus
  2. SSN
  3. Street address (PO address is not acceptable)
  4. Government issued photo ID
Rewards:

Now, you can earn $5 as a reward after every three purchases.

Similarly, you can earn $10 bonus for every $200 spent for furniture.

Welcome Bonus:

Undeniably, After sign up as a new member you will get 15% off at your first purchase.

Annual Fee:

Of course, This card has no annual fee.

Intro APR:

Moreover, at purchase of $250 or more, there will be no interest for six (6) months.

Following this, at purchase of $750 or more, there will be no interest for twelve (12) months.

Regular APR:

In any case, Regular APR at this card is 29.99% that is variable.

Balance Transfer Fee:

Meanwhile, This card does not have balance transfer facility.

Foreign Transaction Fee:

On the other hand, Foreign Transaction is not allowed at this card, as this is a store card only.

Credit Needed:

To conclude, To get this card you have need fair or good credit score history. Your score should be 640 or plus.

Frequently Asked Questions:

Can Big Lots Credit Cards be used anywhere?

Yet, Big Lots Credit Cards are  store or retailer credit cards that can be used at Big Lots Stores only. You can-not use it at other online places just like Amazon, eBay, Wal-Mart etc. This card can’t be used at ATM for cash withdrawals.  

How to pay bill of the Big Lots Credit Card?

In addition, You can pay bill through the large network of Comenity Capital Bank Branches, Big Lots Stores or online using Big Lots store app. Big Lots accept all Visa, Master Card, American Express debit and credit cards.

How can I get credit card from Big Lots?

Finally, You can apply credit card at Big Lots stores or you have also facility to apply at website www.Big Lots.com

How much a Big Lots Credit Card cost?

Because, Big Lots Credit Cards & Big Lots Master Credit Card has no annual or monthly fee. It is a free card to create customer brand loyalty. Special discounts and rewards are offered to credit card holder without any charges.   

Which bank issue Big Lots Credit Card?

As has been noted, Big Lots Credit Cards that are basically  retailer or store cards are issued by Comenity Capital Bank.  So card issuer helps you for bill payment and also support card related issues.

Can I use Big Lots credit cards at Wal-Mart?

As i have said, Big Lots Credit Cards are store or retailer credit card that can be used at Big Lots Stores only. You can-not use it at other online places just like Amazon, eBay, Wal-Mart etc. This card can’t be used at ATM for cash withdrawals. 

Can Big Lots credit cards be used internationally?

Indeed, Big Lots Credit Cards are store or retailer credit card that can be used at Big Lots Stores only. You can-not use it at other online places just like Amazon, eBay, Wal-Mart etc. This card can’t be used at ATM for cash withdrawals.  You cannot use it for international transactions.

Does Big Lots Credit Cards have an App?

Yes, just like mostly credit cards in the market, Big Lots Credit Cards has an App for its user.  This App help’s in buying, rewards redemption, checking account status and for payment of bills.