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Overstock Credit Card Review

Overstock’s store credit card allows you to shop for the latest in furniture and home decor trends and styles, all at the incredible prices offered by Overstock.  Overstock makes it easy to find what you want, in terms of  style, room, category, and  price. Overstock offers include rustic, modern and contemporary, industrial, traditional, coastal, shabby chic, and Boho chic, just to name a few. Also, Overstock now sells new items, not just excess inventory items.

In this article, we’ll summarize some of the Overstock credit card’s top perks, and offer tips for how to get the most out of your card while using Giving Assistant.

Please keep in mind that Overstock also offers a customer shopping rewards program, called Club O, where enrolled members get free shipping, 5% rewards back on every purchase, and more.  You do not need an Overstock credit card to participate in Club O, but you must enroll separately.  You can also apply for an Overstock Club O Rewards MasterCard but that is a separate card not discussed in this article.

Top PerksOverstock card review

Overstock store credit card holders receive the following benefits:

  1. Four different financing options: 6, 12, 18, and 24 months
  2. Special promotions just for card members
  3. A store card ready to use instantly
  4. 24/7 secure online access to pay your bill, view statements, update your profile, and generally manage your account
  5. Take 10% off your first purchase

Key Details

Comenity Bank offers two types of special financing arrangements for the Overstock store credit card. Either you will be granted a no-interest period, whereby all purchases must be paid off by the end of the period, otherwise you will be charged interest retroactively from the date of the purchase, or you will be granted a no-interest period, and any remaining balance when that period ends will then begin to fall under the standard APR.

When it comes to the first no-interest financing option we mentioned, the following spending thresholds apply:

  • The six (6) month offer applies to minimum purchases of $249.
  • The twelve (12) month offer applies to minimum purchases of $499.
  • The eighteen (18) month offer applies to minimum purchases of $1,499.
  • The twenty-four (24) month offer applies to minimum purchases of $1,999.

Pay your entire balance by the due date each month to avoid paying interest. Your due date is at least 25 days after the close of each billing cycle.

The Annual Percentage Rate (APR) for purchases is a variable APR of 28.49%, based on the prime rate.

  1. There is no annual fee.
  2. Late fees are up to $38.
  3. Returned payment fees are up to $38.
  4. Minimum interest charge is $2.

Who is This Credit Card Best For?

An Overstock credit card is best for women and men who want to find the best online deals on a wide range of merchandise, including clothing, electronics, beauty supplies, jewelry and everything for the home (from the outside patio and play area to the inside, including large furniture and small accessories).

Overstock sells everyday essentials and memorable gifts for loved ones, including pets.  Overstock also offers how-to guides such as “how to decorate with lamps,” or “how to hang curtains.”

How to Get an Overstock Credit Card

It’s easy to get an Overstock credit card.  Simply apply online. You will be asked to provide personal information as part of your application, such as name, address, telephone number, and social security number.

What Else Should I Know About?

Overstock credit cards are issued by Comenity Capital Bank, and are subject to credit approval and promotion eligibility.

Deferred-interest promotional plans are not available upon request.  You may be offered a deferred-interest plan at checkout when making a specific type of purchase.

Overstock’s standard variable purchase APR is 28.49% based on the prime rate.

At no time will the minimum payment due be less than $27.

Minimum Interest Charge is $2 per credit plan.

Tips for Using the Overstock Credit Card

Pay your entire balance by the due date each month to avoid paying interest. Your due date is at least 25 days after the close of each billing cycle.

If you have a deferred-interest promotional plan, you must pay the total plan balance in full, on or before the payment due date, and you must pay it during the month in which your plan expires.

How to Use Your Overstock Credit Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Overstock credit card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Overstock store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Overstock Credit Card with discount codes and offers found at Giving Assistant today!

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