The Overstock Store Credit Card

  • Open & use it on your first purchase and Earn $30 in Rewards. Purchase must be made within 90 days of account opening without a promotional financing plan w/ minimum purchase of $300*.
  • 6, 12, 18, and 24-month financing options available on purchases of $249 for 6 months, $499 for 12 months, $1,499 for 18 months, and $1,999 for 24 months made with your Overstock Store Credit Card.*
  • Special promotions just for cardmembers
  • Store card ready to use instantly
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Limited Credit, Fair Credit Personal $0* N/A* N/A* 26.99%* None


The Overstock Store Credit Card Quick Summary:
This Store offer is issued by Comenity Bank. This card is intended for consumers, or "personal use" with a limited or short credit history. Rates may vary among applicants, however the lowest standard APR is 26.99%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 636 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Comenity Bank product.

Other Basics:
The grace period listed for The Overstock Store Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.

This is a store or retail card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser or select partners.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 636, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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