Free and Easy Approval for Your Big Lots Credit Card » Financial Guidance



Big Lots Credit Card

Big Lots, Inc. is an American retail store based in Columbus, Ohio, and today has more than 1,400 stores across 47 states. They offer affordable household items such as furniture, food, and home decor. The Big Lots credit card gets you access to deals and vouchers that only credit cardholders are entitled to.

Big Lots Credit Card’s Approval Odds

To qualify for this credit card with an APR of almost 30 percent you definitely need to consider having a good credit rating. Card credit limit and APR will be determined based on your creditworthiness. You’ll be notified of your credit limit and other account details after approval.

Credit score For Big Lots Card Apply

For the this Card, at least a 638 credit score is needed. The issuer will also take other important factors into consideration, such as your:

  • Income
  • Existing debts
  • Credit history
  • Overall creditworthiness

There is no way to pre-qualify for the this Card. You can apply for big lots credit card online and an application will likely result in a hard pull on your credit, lowering your score for a short period of time. So make sure you have a good credit score. If you don’t have, increase your credit score before applying.

Advantages You Can Have With Big Lots Credit Card

Card holders never need to pay the interest in full within six to 12 months. No interest is required to pay only when the purchase amounts to either $250 and more for six months or $750 and more for a year.

Big Lots Credit Card

Big Lots credit card Reviews

Benefits of using this Credit Card (Pros.)

  • No annual fees
  • Special membership offers
  • Special financing choices when making qualified purchases
  • All-access to the in-store account lookup
  • Access to the credit card’s account summary details available right at registration
  • 24/7 online platform for managing the account
  • Paperless options for billing

and much more that makes life easier.

Drawback of using this Credit Card (Cons.)

No rewards. You’ll not get a whole lot of anything from this Card, rewards-wise. It’s a big disappointment, as compared to the best store credit cards offer 5% cashback on all purchases, in addition to a hefty first-purchase discount.

Extremely high regular APR. According to Wallet Hub’s latest Credit Card Landscape Report, the regular APR of this Card’s is higher than the market-average penalty rate: 25.46%.

Fair credit required. For most of the store cards, you need at least fair credit to qualify. But for the Big Lots Credit Card, you should only consider if you have fair credit. And even then, it’s not the best choice.

Someone will get a better 0% card with good or excellent credit easily. People with fair credit generally do not qualify for 0% of cards that don’t have deferred interest, But they can still get cards with much lower regular rates.

Big lots Payment plan details

As a Big Lots credit card user, you should understand the concept of deferred interest and the payment required scheme. As per the scheme, the company will charge interests from the date of purchase when the client is not able to pay the promo plan balance after the card’s promotional period.

Remember, for each of the credit plans minimum credit card payments are required. There are no guaranteed minimum payments for the promo plan balance in the promo period for the card users. In some circumstances, it may be required to pay more than the minimum payment to avoid incurring charges from the interest.

If a single transaction produces various shipments, then each of these may result in separate credit card plans, depending on different minimum purchase eligibility and minimum interest rate charges.

Big Lots Credit Card Payment

There is two ways to pay big lot credit card, over the phone ((888) 566-4353) by following the instruction and another option is pay online. For online payments you need to login to your big lots credit card account from here and then make payments .

Big Lots Credit Card Login

After receiving your big lots credit card, you can use it online for purchasing goods from big lots. But for online purchasing you need to complete a simple login process.

  1. To complete your login process you need visit the official page of comenity bank ( )
  2.  click on the ‘sign in’ option on the right corner of your page.
  3.  After opening the sign in form, you need to enter your ‘user name’ and ‘password’ in the respected field.
  4. After entering the accurate information you need to click on the ‘Sign In’ button access your credit card account.

At this point you have full access of you credit card account. Now  you can use your card online.

Mostly asked question (F.A.Q)

How much is the starting Big Lots Credit Card credit limit?

Normally fair-credit applicants start with a limit between $300 and $750, but then they see an increase after regular payments.

How to pay big lots credit card?

You can make a Card payment online, by calling (888) 566-4353. However, the easiest way to pay your Big Lots Credit Card bill is online.

What credit bureau does the Big Lots Credit Card use for approval?

This Card can use any of the three major credit bureaus (TransUnion, Experian, or Equifax) for approval. once your account is open, your financial activity will be reported to all three major bureaus, on a monthly basis.

Can I pay my Big Lots credit card in-store?

No, unfortunately, currently it’s not possible.

How can I add an authorized buyer to the card?

To add an authorized buyer you can call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918) or visit

What is the minimum payment required?

You can find it in the Big Lots credit card agreement and on your billing statement.

How to apply for big lots credit card?

If you want to submit the application form then you can do it completely online. Visit and click on ‘apply Now’ button then follow the on screen instruction to complete the application. In this process, before submitting your application you have an option to add Authorized  Buyer and finally submit the application. At the end of your application process you will see whether your application approved or not. If you does not see anything then it may take up-to 10 days to consider your application.

How to use Big Lots credit card online?

To use big lots credit card online, first you need to visit the official page Then login to your credit card account using your user name and password. After providing the these information click on the “log-in” button and get access of your credit card account. Now you can use your card to purchase online.

How to check status on big lots credit card?

To know the status, call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918) or visit