Big Lots Credit Card Guide

Big lots credit card is popular among department store customers in the US. More than 1425 stores are accepting big lots credit card in the US.

You can shop from Big Lots for many daily use and home-based goods.

There are many notable benefits of using a Big Lots card also. For every $100 spent on the big lots credit card, you earn $5 as a bonus. However, the offer applies to BIG rewards Members only. 

There are two more lucrative offers, too.

You shop from a big lots store using the big lots credit card. If you make a bill of $250, you get six months to pay back. Till six months, there will be no interest on your bill. 

Secondly, you can get a payback period of 12 months if you shop for $750, at least. 

Benefits of Having a Big Lots Credit Card

I see that there are less perks on small scale shopping. But you will save big-time, if you use the big lots credit card for high end purchases.

Your big lots credit card is issued by Comenity bank. This bank also issues other store retail cc. So, you can trust their circuit.

How to Become a Big Lots Credit Card Member?

There are some essential criteria to get a big lots credit card. Firstly, you must have a minimum credit score of 640. Secondly, you cannot pre-qualify for the card.

To become a biglots credit card holder, you must apply manually. You can apply online or in-store. 

I would recommend only the application process. It’s fast and hassle-free. The steps are as follows:

• Visit Comenity Capital’s website
• Click on “Apply now.”
• Fill in your personal and professional information
• Get your credit score reviewed for eligibility in the next step
• Get the big lots credot card suitable for you

After approval, it will take a maximum time of 10 days (about 1 and a half weeks) to reach you. 

Contact information for the Big Lots Credit Card Care Center

There are two help center contact numbers for your biglot credit card. These are:

1-888-566-4353  

1-888-819-1918

Benefits of Big Lots Credit Card

You may not get a small token credit when you shop with a biglotscreditcard. However, there are lucrative benefits to high-value purchases. 

$5 Back on Every $100 Spent

You make a purchase (or multiple purchases) worth $100 from your bug lots credit card. Then eligible to get a $5 cashback and can retrieve it in your Big Rewards wallet and use it to pay later. 

Flexible Financing Options

You can pay your big lots credit cars bill within six months. Most store credit cards have a monthly or 15-day payment cycle. However, biglots creditcard is an exception. But you must spend at least $250 from your card in any Big Lots store. 

In the same way, you can pay your bill in 12 months, if you spend at least $750 from the big lots credit card. 

New Cardholder Discount

According to Nerdwallet, big lots of credit cards offer high discounts to first-time users. You will get a 15% one-time bonus when you pay with this car for the first time.

Exclusive Offers for Cardholders

There are many exclusive offers that you can enjoy as a Big Rewards member. You will get $5 cashback for $100 and $10 for $200. 

Access to Special Promotions and Rewards

The Big members enjoy some special promotional offers. These offers and rewards accumulate over time. You can also use the rewards flexibly.

For evidence, every purchase with a reward point gets more reward points. 

Earn Periods and Rewards

There are many exclusive rewards of big lots credit cards for big-time shoppers. You can win cash incentives. You will also get discount offers. I have discussed some of the prime benefits here:

• Earn $5 back in Rewards for every $100 in purchases charged to the Big Lots Credit Card
• No interest if paid in full within specific periods on qualifying purchases
• Credit bonuses for participants in the Big Rewards program
• Earn periods and expiration dates for rewards

Managing Your Big Lots Credit Card

Multiple options exist to manage your big lots credit card online or via email. You can also use their “service on call” to provide customer service. 

How to Check and Pay Your Bill In-store, Online, By Phone, or Through the Mail?

Many customers ask if they can pay their bills in-store. There is a provision for that. However, manually paying your bill is very time-consuming. 

But I’d say it’s better to pay the bill online. You already enjoy a lot of flexibility in payment options. 

To pay online, you can visit: comenity.net/biglots

You can also pay the bill from call support. The two numbers that you can ring to pay are:

888-566-4353

888-819-1918

Payment modes are flexible, too. You can pay through checks, cash, money orders, etc.

Wait, do you receive regular notifications from big lots credit card? No.

Then, you will not be able to enable cookies on your app. If you have not signed up with Big Lots Account Center, you won’t get any notifications, offers, and personalized discounts as well. So, follow the steps below:

• Enrolling in the Account Center to view statements and make payments online
• Update address information with the Customer Care Center

Making Purchases Before Receiving the Physical Card

Certainly. Once your big lits credit card is approved, you will receive the card number and other details by mail. You will also receive an account lookup link/number. You can use either method to pay using your card. 

Hence, you can start using the big lits credit card before you physically have it. 

Frequently Asked Questions (FAQs)!!!

Terms and Conditions

There are essential conditions attached to almost all rewards and bonus programs. Make sure you are aware of those.

Important Information Regarding Deferred Interest and Payment Requirements

There is a clause regarding deferred interests. And, you must know it properly. Comenity.net states, “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 and Interest Charges

The due dates should clear all minimum payments. But, if you don’t, a $30 charge is incurred. 

Variable Purchase APR and Minimum Interest Charge

Remember two clauses in this regard:

The variable purchase APR on your card is 32.24%

You will be charged a minimum interest of $3

Credit Card Offers Subject to Credit Approval

You should have a minimum credit score of $640 to apply for a big lots credit card.

Issuing bank for Big Lots Credit Card Accounts

 Your big lots credit card is issued by Comenity finance and payments bank. 

Conclusion

There are several cash and credit benefits of your Big Lots Credit Card. For instance, you get $% on every $100 you spend. You also enjoy flexible payment options for 6 months and 12 months. You also enjoy flexible bill payment options. 

If you want to enjoy the special financing plans on large purchases, get a Big Lots Credit Card. 

I tried to answer all common queries regarding Big Lots Credit Card here. However, you can always drop a comment if you want to know anything else.  You may also list your queries through [email protected]. Alternatively, call big lots on 1-888-566-4353 for other queries.

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