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.

²¹21Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.

²² Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

²⁵ The initial payment (plus tax) is charged at lease signing. Remaining lease payments determined upon item selection.