Reviews (US)

Overstock credit card review

Check out the Overstock credit card review article to learn how to get exclusive offers to make your home a place that inspires you.

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by Aline Augusto

Published on 02/24/2022

Overstock credit card: exclusive offers with no annual fee!

See what the benefits of this credit card are. Source: Overstock.
See what the benefits of this credit card are. Source: Overstock.

Overstock is an online retailer located near Salt Lake City. It was founded in 1999. And it provides products and services that help you create your dream home. Check out this Overstock credit card review article to learn how to get exclusive offers.

This store is committed to several local and national charities, and it is a fur and ivory-free retailer.

It sells furniture, rugs, décor items, bed & bath items, jewelry, lighting, products for babies and kids, home improvements in general, and more.

So, if you enjoy purchasing on this website, you should learn about its credit card. Check it out!

Credit ScoreGood
Annual Fee$0
Regular APR26.99% (variable)
Welcome bonus$30 in Rewards within 90 days from account opening without a promotional financing plan with a minimum purchase of $300
RewardsNone (only discounts and some promotional offers)
Overstock credit card logo

How to apply for an Overstock credit card?

Exclusive offers with an Overstock credit card! Check out how to apply for it!

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How does the Overstock credit card work?

Overstock features a credit card that can be used on the online store. As a new cardholder, you can earn a welcome bonus of $30 in Rewards within 90 days from account opening without a promotional financing plan with a minimum purchase of $300.

Also, if you make big purchases on the website, you can enjoy a special financing plan as follows:

  • 6 Months on purchases $249 or more;
  • 12 Months on purchases $499 or more;
  • 18 Months on purchases $1,499 or more;
  • 24 Months on purchases $1,999 or more.

This credit card offers promotional payments plans with waived interest rates. But, not all promotions are available at all times. The exclusive offer will be displayed in the checkout process.

Furthermore, you can get exclusive discounts and the best of all is that there is no annual fee.

In addition, there are no fees associated with opening or keeping the account open. 

You can also request an increase in credit limit, as you wish.  

Overstock card benefits

Keep reading our Overstock credit card review. Source: Pexels.
Keep reading our Overstock credit card review. Source: Pexels.

Besides the fact that there is no annual fee, this store card features exclusive offers and special discounts to its cardholders.

Check out the list of pros and cons.

Pros

  • It offers discounts on purchases;
  • It provides financing plans with waived interest rates up to 24 months;
  • There is no annual fee;
  • There are no fees associated with opening or keeping the account open;
  • The application process is simple and fast.

Cons

  • You may qualify with at least a good credit score;
  • The APR is relatively high;
  • The card can only be used on Overstock;
  • The rewards are limited.

How good does your credit score need to be?

The higher your score is, the best your chance to get the approval. So, it is recommended that you have at least a good credit score.

How to apply for Overstock credit card?

If you are interested in shopping at Overstock with exclusive offers, check out how to apply for its credit card. 

Overstock credit card logo

How to apply for an Overstock credit card?

Exclusive offers with an Overstock credit card! Check out how to apply for it!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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