Overstock Credit Card – Benefits, Features, Costs, and How to Apply

The Overstock Store Credit Card is a retail credit card offered by Comenity Bank that can only be used on Overstock.com and partner websites.

Overstock Credit Card

It provides financing options to help you purchase furniture, home decor, jewelry, clothing, and more from Overstock.

Benefits of the Overstock Credit Card

  • No annual fee – There is no annual fee to have this card, saving you money every year
  • Special financing offers – Get 6, 12, 18, or 24-month special financing on eligible purchases over certain amounts
  • Instant card use – Your account number is available instantly upon approval so you can use it right away
  • Cardmember-exclusive deals – Get access to special offers and discounts only for cardmembers

Key Features of the Overstock Store Card

  • Credit line up to $4,500 – Credit lines range from $300 to $4,500 based on your creditworthiness
  • 26.99% APR – The regular APR is a variable 26.99%
  • No preset spending limit – No preset spending limit, so you have flexibility in purchasing
  • Online account access – Manage your account online through the Comenity Bank website
  • Fraud protection – $0 fraud liability if your card is lost or stolen

Costs and Fees

The Overstock Store Credit Card has no annual fee and no foreign transaction fees. The only costs are:

  • Interest charges – You will pay 26.99% variable APR interest on any balances carried over month-to-month
  • Late payment fee – Up to $40 late payment fee
  • Return payment fee – Up to $35 for a returned payment

Be sure to pay your balance in full each month to avoid interest charges.

How to Apply for the Overstock Credit Card

Applying for the Overstock Store Credit Card is quick and easy:

  • Go to the Overstock credit card application page.
  • Provide some basic personal information – name, address, date of birth, Social Security Number.
  • Review the terms and conditions and submit the secure application.
  • You’ll get a decision in seconds in most cases. If approved, you can use your new account number immediately.

How to Activate Your New Overstock Credit Card

As soon as you are approved, your new Overstock Store Credit Card account number will be provided. To activate your physical card when it arrives:

  • Call the number on the sticker on your card.
  • Provide personal information like SSN and date of birth to verify identity.
  • Choose a 4-digit PIN for card security.
  • Sign the back of the card immediately.

Now your card is ready to use online and in-store!

How to Log in to Your Overstock Credit Card Account

To log in and manage your account online:

  • Go to comenity.net/overstock
  • Enter your username and password to login.
    • If you forgot, select “Forgot User ID or Password?” to reset your credentials.
  • Review your account activity, make payments, update personal details, and more.

Tips to Make Your Overstock Store Card Payments

You have a few options to pay your Overstock credit card bill:


  • Login to your account and make an online payment via e-check or debit card, free of charge.

By Phone

  • Call 1-833-714-0051 and pay via an automated system, or operator, or set up recurring payments.

By Mail

  • Send a check or money order to the payment address printed on your monthly statement. Allow 5-7 days to process.

In Person

  • Take cash, checks, or money orders to a Western Union location for same-day payments.

Be sure to pay your minimum or statement balance by the due date each month to avoid late fees and interest charges!

Other Important Overstock Credit Card Information

  • Customer Service: Get support by calling 1-833-714-0051 or messaging through your online account
  • Card Benefits: Includes purchase protection, extended warranty protection, and return protection – see details in your cardmember agreement
  • Credit Limit Increases: Request a higher limit after making 5 on-time monthly payments in a row
  • Account Upgrades: This is a starter card, but you may qualify for an unsecured Visa® or Mastercard® after responsible account use.


The Overstock Store Credit Card offers convenient financing and instant purchasing power specifically for Overstock.com. It has no annual fee and provides opportunities to upgrade your credit limit or card over time.

If you frequently shop at Overstock, this card is worth considering to save money and gain access to exclusive discounts.

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