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Overstock Credit Card: Everything You Need to Know

By: Abby Ruffier

Overstock Credit Card: Everything You Need to KnowIf 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.

Overstock Store Credit Card: What You Get

Overstock Store Credit Card: What You GetThe 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:

  • Up to 24 months of interest-free financing
  • $30 back in rewards on your first $300+ purchase without financing
  • 26.99% APR on regular purchases
  • No annual fee
  • Exclusive offers
  • Early sale access
  • Special birthday offer 

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.

Check out some Frequently Asked Questions here.

How to Apply for the Overstock Credit Card

Applying for the Overstock.com Credit Card is easy. 

  1. Create an Overstock.com account.
  2. Fill out the form.
  3. Upon approval, start shopping! 

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


Savings hack: Use the Overstock.com credit card to pay for your yearly Club O rewards membership ($19.95/year). This will help you accrue extra rewards!


Is the Overstock Credit Card Worth it?

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.  

More Ways to Save at Overstock.com