SHOP. EARN. REPEAT.
$5
BIG Rewards Members can earn $5 back in Rewards for every $100 in purchases charged to your Big Lots Credit Card4
OR
6 MONTHS
No interest if paid in full within 6 months on purchases of $250 or more made with your Big Lots Credit Card. Promotional Plan Fee may apply6
12 MONTHS
No interest if paid in full within 12 months on purchases of $750 or more made with your Big Lots Credit Card. Promotional Plan Fee may apply6
Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Promotional Plan Fee may apply6
Already a Big Lots Credit Card member?
Have Questions? Reach out to Big Lots Credit Card Care Center at 888-566-4353
(TDD/TTY: 888-819-1918)
BIG Benefits with your Big Lots Credit Card
$5 back on every
$100 spent4
Flexible Financing
Options
New Cardholder
Discount
Look Up & Pay Your
Bill In-Store
Cardholder
Exclusive Offers
BIG Rewards + Big Lots Credit Card
The BIGGEST Savings
$5 Reward
for every $100 Spent
When you are a BIG Rewards Member
& use your Big Lots Credit Card4
Earn Periods:
Feb 1 - April 30
May 1 - July 30
Aug 1 - Oct 30
Nov 1 - Jan 30
Not a BIG Rewards member yet?
Join Now
Frequently Asked Questions
How do I earn my credit bonus for the Big Rewards program?
To be eligible for your credit bonus on revolving purchases, you must be enrolled in the Big Rewards program.
Where do I find my Big Lots Credit Card Rewards?
We will e-mail your Big Lots Credit Card Reward within one week of the earn period ending. Make sure you are opted in for BIG Rewards e-mails. You can also find the Rewards in your BIG Rewards dashboard.
When do the Credit Card earn periods end?
Earn periods for Big Lots Credit Card Rewards are: February 1 – April 30, May 1 – July 31, August 1 – October 31, November 1 – January 31.
How do I know how close I am to earning a reward?
You will receive a weekly e-mail to your Big Rewards e-mail address showing you how much you have earned and how close you are to the next Reward. Make sure you are opted in for BIG Rewards e-mails. You can also check your Big Lots Credit Card statement/bill and see how much you have spent on revolving during the earn period.
Does my spend rollover into the next earn period?
All spend will reset to $0 at the start of the next earn period.
Can I apply past purchases or deferred interest purchases to earn my credit rewards?
You must choose revolving and be enrolled in Big Rewards at the time of purchase to qualify.
When do my Credit Card Rewards expire?
Credit Card Rewards will expire 60 days after issuance.
How can I pay my bill?
There are several options to pay your bill: in-store at any Big Lots location, online atcomenity.net/biglots, by phone at 888-566-4353 (TDD/TTY: 888-819-1918), or through the mail. Acceptable forms of payment include checks, money orders, or cashier’s checks in U.S. dollars. There may be a fee to process a phone payment.
Can I view my statements online?
Yes, but before you can view or make a payment online, you will need to enroll in Account Center. Review your billing statement or visitcomenity.net/biglotsto find instructions and details on how to enroll.
I use a P.O. Box, can I still apply?
The USA PATRIOT Act requires all credit applicants to provide a physical street address. Therefore, an application must be processed using a physical address. Should you need to update your address after your application is processed, you can contact the Big Lots Credit Card Customer Care Center for assistance at 888-566-4353 (TDD/TTY: 888-819-1918).
Can I make purchases before I receive the new card in the mail?
As a new cardholder, you can make a purchase in-store using account lookup to complete your purchase. You will need to provide your government-issued photo ID, the last four digits of your SSN, month/day of your birth date, and your zip code.
To see full terms & conditions of use, click here.
4 Each transaction placed on a promotional Credit Plan(s) will not earn reward(s). This rewards program is provided by Big Lots and its terms may change at any time. For full Rewards Terms and Conditions, click here. Cardholders must enroll/be enrolled in the BIG Rewards program. Spend is calculated during defined earn period and resets at the end of each period.
5Application and approval must occur same day to receive the offer. Offer only available atBig Lots stores. Not valid at Big Lots Home stores. Valid one time only. The entire transaction amount after discount must be placed on theBig Lots Credit Card. Offer does not apply to Allstate warranty coverage, previous transactions, existing price holds, non-purchases such as rentals, deposits, or charitable donations, or purchases of milk, other dairy, eggs, or gift cards. Offer not available to Big Lots associates. Open a new Big Lots Credit Card to receive $25 off your first in-store purchase when you use your Big Lots Credit Card. Cannot be combined with promotional financing. Only one account opening offer per account. By attempting to redeem this offer, user unconditionally agrees that all decisions by Big Lots are final regarding interpretation, fact, and procedure. Valid only on goods in stock (including special orders). Void where prohibited. No cash value or cash back. Offer may not be sold. Offer will be automatically applied at register.
6 Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Each transaction placed on a promotional Credit Plan(s) will not earn Big Lots Credit Card reward(s). As of August 2024, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
Big Lots Credit Card Accounts are issued by Comenity Capital Bank.
