credit by overstock

Make your dream home come true with rewards and financing options powered by Overstock credit cards!

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Welcome Rewards by Club OWelcome Rewards by Club O

5
%
on Bed Bath & Beyond purchases
Plus

special financing options^ on qualifying purchases

Two cards. Two easy choices. Smart savings all around!

Two cards. Two easy choices. Smart savings all around!

Overstock Mastercard®
Overstock Credit Card

Rewards and deals when you shop at Bed Bath & Beyond

FREE Was $19.95 Welcome Rewards Membership
with Overstock Mastercard and Overstock Credit Card
No annual fee**
with Overstock Mastercard and Overstock Credit Card
5% Back in Rewards at Bed Bath & Beyond
with Overstock Mastercard and Overstock Credit Card
Special financing options^ on qualifying purchases
with Overstock Mastercard and Overstock Credit Card

Welcome Rewards by Club O everywhere you shop

3% on apparel & department store purchases
only with Overstock Mastercard
2% on gasoline purchases
only with Overstock Mastercard
1% on all other purchases
only with Overstock Mastercard

Ready to start earning with an Overstock credit card

Frequently Asked Questions

The Overstock Mastercard and Overstock Credit Card let you earn 5% back in rewards at Overstock, enjoy exclusive Club O rewards, and receive special financing^ on qualifying purchases. The Overstock Mastercard can also be used anywhere Mastercard is accepted and provides an opportunity to earn additional rewards on purchases made outside of Overstock.

Good news—if you're approved, you should be instantly notified. However, if it takes longer to process your application, the bank will notify you by mail regarding the reasons for the decision. If you have questions about your application, please contact Citibank at 1-833-808-0180. (For TTY: We accept 711 or other Relay Service.)

Special financing offers are available. Some promotional financing is offered on a periodic basis. Please always check when a promotional plan expires. 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.^

Overstock Mastercard cardmembers will receive their physical card and Overstock Credit Card cardmembers will receive a letter with account information about their digital card within 7-10 business days via US mail.

There are no fees associated with opening an account or keeping an account open. However, you must make on-time payments to avoid fees.

The Overstock credit cards do not have an expiration date. The card is valid as long as you use it. Inactive accounts may eventually be canceled for security purposes.

You can make payments and manage your account by signing in at www.overstock.accountonline.com or by calling 1-833-714-0051, (For TTY: We accept 711 or other Relay Service.)

If you have an Overstock Credit Card issued by Comenity Bank, please click here to pay your bill, or manage your account.

You can reach your Overstock Credit Services team by visiting www.overstock.accountonline.com or by phone at 1-833-714-0051, (For TTY: We accept 711 or other Relay Service.)

They can assist you with:
  • Paying your bill
  • Registering for online bill pay and paperless statements
  • Requesting a replacement for lost/stolen cards
  • Adding authorized users
  • Obtaining a copy of your billing statement
  • Answering questions about your account
  • Answering questions about your bill or transactions, including financing transactions
  • Updating your account information
  • Requesting a change to your credit limit
  • … and more!
If you have questions about your Rewards balance or order status, you can reach Overstock Customer Service at 1-800-843-2446.

If you have questions about your Rewards balance please visit: https://undefined/myaccount/clubo

If you're logged in using someone else's Overstock account that is already linked to an Overstock credit card, you'll need to log out of that account to apply for your own Overstock credit card.

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