To be eligible for your credit bonus on revolving purchases, you must be enrolled in the Big Rewards program.
We will e-mail your Big Lots Credit Card Reward within one week of the earn period ending. Make sure you are opted in for BIG Rewards e-mails. You can also find the Rewards in your BIG Rewards dashboard.
Earn periods for Big Lots Credit Card Rewards are: February 1 – April 30, May 1 – July 31, August 1 – October 31, November 1 – January 31.
You will receive a weekly e-mail to your Big Rewards e-mail address showing you how much you have earned and how close you are to the next Reward. Make sure you are opted in for BIG Rewards e-mails. You can also check your Big Lots Credit Card statement/bill and see how much you have spent on revolving during the earn period.
All spend will reset to $0 at the start of the next earn period.
You must choose revolving and be enrolled in Big Rewards at the time of purchase to qualify.
Credit Card Rewards will expire 60 days after issuance.
Online at comenity.net/biglots, by phone at 888-566-4353 (TDD/TTY: 888-819-1918), or through the mail. Acceptable forms of payment include checks, money orders, or cashier’s checks in U.S. dollars. There may be a fee to process a phone payment.
Yes, but before you can view or make a payment online, you will need to enroll in Account Center. Review your billing statement or visit comenity.net/biglots to find instructions and details on how to enroll.
The USA PATRIOT Act requires all credit applicants to provide a physical street address. Therefore, an application must be processed using a physical address. Should you need to update your address after your application is processed, you can contact the Big Lots Credit Card Customer Care Center for assistance at 888-566-4353 (TDD/TTY: 888-819-1918).
As a new cardholder, you can make a purchase in-store using account lookup to complete your purchase. You will need to provide your government-issued photo ID, the last four digits of your SSN, month/day of your birth date, and your zip code.
To see full terms & conditions of use, click here.
4 Each transaction placed on a promotional Credit Plan(s) will not earn Big Lots Credit Card reward(s). This rewards program is provided by Big Lots and its terms may change at any time. For full Rewards Terms and Conditions, please see Biglots.com. Cardholders must enroll/be enrolled in the BIG Rewards program. Spend is calculated during defined earn period and resets at the end of each period.
6 Deferred Interest, Payment Required plan: 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. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. Each transaction placed on a promotional Credit Plan(s) will not earn Big Lots Credit Card reward(s). As of October 2024, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
Big Lots Credit Card Accounts are issued by Comenity Capital Bank.