By: Abby Ruffier
If you love shopping at Overstock.com, using the Overstock Credit Card can be a way to finance your next home redecorating project. But like most store credit cards, it’s not for everyone. Read on for everything you need to know, and don’t forget to check for the latest Overstock deals on Groupon Coupons to get savings of up to 70% off.
The Overstock Store Credit Card, which can only be used on Overstock.com, is ideal for financing larger purchases ($249+). This comes in handy when refreshing the home or your family’s wardrobe. The card includes:
Special Financing offer: The special financing includes no interest so long as you pay off your balance within the promotional period (6–24 months). If you’re unable to pay off your balance in time, you’ll be charged a 26.99% variable APR from the time of your purchase. Purchases under the $249 financing threshold will also be charged a 26.99% APR.
$30 Rewards offer: You can get a $30 reward on your first $300+ purchase within 90 days of applying for your card, so long as you don’t select Special Financing at checkout. Rewards are given within 10 business days of making your order and expire in 90 days. You can use your $30 reward to save on your next purchase at Overstock.com.
You’ll be able to manage your Overstock credit card online. Call the Overstock credit card phone number if you have any questions or issues: 1-855-810-2546.
It depends. If you want to make a big purchase and need time to pay it off, the Overstock Credit Card’s special financing can come in handy—so long as you pay it off in time. If you don’t, you’ll get hit with deferred interest charges of 26.99% going all the way back to your initial purchase. Regular purchases also have a 26.99% APR, which is pretty steep if you don’t pay balances off immediately.