10 Things to Know About the Big Lots Credit Card

The Big Lots Credit Card is a store credit card that offers various benefits and rewards for loyal shoppers. If […]

The Big Lots Credit Card is a store credit card that offers various benefits and rewards for loyal shoppers. If you frequently shop at Big Lots and are considering applying for their credit card, here are 10 things you should know:

1. Store-Only Card:

The Big Lots Credit Card is a store-only credit card, meaning it can only be used for purchases at Big Lots stores and online at biglots.com. It cannot be used at other retailers or establishments.

2. Rewards Program:

The credit card offers a rewards program called the Big Rewards program. Cardholders earn 2 points for every dollar spent at Big Lots, and for every 250 points accumulated, they receive a $5 reward. The rewards can be used towards future purchases at Big Lots.

3. No Annual Fee:

The Big Lots Credit Card does not charge an annual fee, making it a cost-effective option for frequent shoppers.

4. Special Financing Offers:

Cardholders may have access to special financing offers on large purchases. These offers may include deferred interest or fixed monthly payments for a certain period of time.

5. Exclusive Discounts:

As a cardholder, you may receive exclusive discounts and promotions throughout the year. These discounts can help you save even more on your Big Lots purchases.

6. Online Account Management:

The credit card comes with online account management, allowing you to easily track your purchases, view your rewards balance, and make payments online.

7. High APR:

It’s important to note that the Big Lots Credit Card has a relatively high annual percentage rate (APR). If you carry a balance on the card, the interest charges can add up quickly. It’s advisable to pay off the balance in full each month to avoid accruing interest.

8. Credit Approval Required:

Like any credit card, approval is subject to creditworthiness. Your credit history and score will be taken into consideration during the application process.

9. Limited Use:

Since the Big Lots Credit Card can only be used at Big Lots, it may not be as versatile as a general-purpose credit card. If you’re looking for a card that can be used at multiple retailers, you may want to consider other options.

10. Customer Support:

If you have any questions or issues regarding your Big Lots Credit Card, customer support is available to assist you. You can contact the customer service team for assistance with billing inquiries, rewards program questions, or any other concerns.

Before applying for the Big Lots Credit Card, it’s important to evaluate your shopping habits and compare the benefits and rewards with other credit card options. Consider whether the rewards and discounts offered by the card align with your spending patterns and whether the high APR is manageable for you. By understanding the features and limitations of the card, you can make an informed decision about whether it’s the right choice for you.