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Overstock.com Store Card
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THE OVERSTOCK
STORE CREDIT CARD


OPEN & USE IT ON YOUR FIRST PURCHASE AND
EARN $30 IN REWARDS
PURCHASE MUST BE MADE WITHIN 90 DAYS OF ACCOUNT OPENING WITHOUT A PROMOTIONAL
FINANCING PLAN W/ MINIMUM PURCHASE OF $300**

Apply Now

Already a card holder?
View statements and your bill here


MAKE YOUR HOME INTO A PLACE THAT INSPIRES YOU. WE’LL HELP YOU DO IT.

24 Month Financing Icon
Up to 24 Months Financing1

6 Months on purchases $249 or more
12 Months on purchases $499 or more
18 Months on purchases $1,499 or more
24 Months on purchases $1,999 or more
made with your Overstock Store Credit Card.

Percent Sign Icon
Exclusive Offers

Receive discounts specifically for Card Holders

No Fee Icon
No Annual Fee‡

Savvy shopping shouldn’t cost extra.


QUESTIONS?

Contact card service provider, Alliance Data, at 1-855-810-2546
(TDD/TTY:1-888-819-1918).
Hours of Operation: 6 am-7 pm MT, Closed Sunday


WHAT IS THE OVERSTOCK STORE CREDIT CARD?CHEVRON SMALL DOWN

The Overstock Store Credit Card lets you enjoy exclusive cardmember offers and
receive special financing1 while shopping on Overstock.com. The card can only be
used on Overstock.com.


HOW DO I APPLY?CHEVRON SMALL DOWN

Applying is simple, use the following link to apply:
www.overstock.com/storecardapplication


ARE THERE FEES ASSOCIATED WITH AN ACCOUNT?CHEVRON SMALL DOWN

There are no fees associated with opening an account or keeping an account open.
However, You must make on-time payments to avoid fees.


WHO DO I CONTACT IF I HAVE QUESTIONS?CHEVRON SMALL DOWN

You can contact card service provider, Alliance Data, for any questions related
to your Overstock Store Credit Card at: 1-855-810-2546 (TDD/TTY:1-888-819-1918).


HOW DO I MAKE PAYMENTS AND MANAGE MY ACCOUNT?CHEVRON SMALL DOWN

You can make payments and manage your account by signing in at
https://d.comenity.net/overstock/ or by calling 1-855-810-2546
(TDD/TTY:1-888-819-1918).


HOW LONG IS THE CREDIT CARD AGREEMENT?CHEVRON SMALL DOWN

The Overstock Store Credit Card does not have an expiration date. The card is
valid as long as you use it. Inactive accounts may eventually be canceled for
security purposes.


IS SPECIAL FINANCING§ AVAILABLE ON MY OVERSTOCK STORE CREDIT CARD?CHEVRON SMALL
DOWN

The following plans are currently available with minimum purchase thresholds:
No interest if paid in full within 6 months with minimum purchase of $249
No interest if paid in full within 12 months with minimum purchase of $499
No interest if paid in full within 18 months with minimum purchase of $1499
No interest if paid in full within 24 months with minimum purchase of $1999

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.§


CAN I USE MY OVERSTOCK STORE CREDIT CARD TO MAKE RESERVATIONS ON
OVERSTOCK-HOTELS.COM?CHEVRON SMALL DOWN

The Overstock Store Credit Card can only be used for Overstock.com purchases,
not including purchases on Overstock-Hotels.com


HOW DO I MAKE A REQUEST FOR INCREASING MY CREDIT LIMIT ON OVERSTOCK STORE CREDIT
CARD?CHEVRON SMALL DOWN

You can request for credit limit increase by calling Comenity Capital Bank's
Customer Care number:1-855-810-2546 (TDD/TTY:1-888-819-1918). Alternatively, you
can request for credit limit increase by logging into account center
-https://d.comenity.net/overstock/.


WHO DO I CONTACT FOR LOST/STOLEN CARDS, REPLACEMENT CARD, TO CANCEL MY ACCOUNT
OR FOR GENERAL CUSTOMER SERVICE QUESTIONS?CHEVRON SMALL DOWN

Contact customer service at 1-855-810-2546 (TDD/TTY:1-888-819-1918).


TERMS & CONDITIONS


CHOOSE FROM CONVENIENT DEFERRED§ AND WAIVED2 PROMOTIONAL PAYMENT PLANS
EXCLUSIVELY AVAILABLE WITH OVERSTOCK STORE CREDIT CARD

Not all promotional plans will be available at all times. The available
promotional plan options will be displayed in checkout process.

1

1 Minimum payments are required for each Credit Plan. 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 and minimum interest charge.

--------------------------------------------------------------------------------

2

2 Waived Interest, Equal Payment plan: Interest will be charged to your Account
from the end of the promotional period on any remaining promotional plan
balance. Minimum payments are required for each Credit Plan. 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 and minimum interest charge. For exclusion details, select
view eligible products above. As of 09/2020, terms for new Accounts: Variable
purchase APR of 26.99%. Minimum interest charge is $2 per Credit Plan in any
billing period in which interest is due. Existing Cardholders: see your credit
card agreement for Account terms.

--------------------------------------------------------------------------------

3

3 Waived Interest, Payment Required Plan: Interest will be charged to your
Account from the end of the promotional period on any remaining promotional plan
balance. Minimum payments are required for each Credit Plan. Minimum payments
are NOT guaranteed to pay the promotional plan balance within the promotional
period. Valid for single transaction only. As of August 2021, terms for new
Accounts: Variable purchase APR of 26.99%. Minimum interest charge is $2.00 per
Credit Plan in any billing period in which interest is due. Existing
Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.
Overstock Store Credit Card Accounts are issued by Comenity Bank.

--------------------------------------------------------------------------------

**

**Valid one time only. Offer is not available for purchases placed on a
promotional plan. Minimum purchase required to redeem. See offer for full terms
and conditions. Offer will be received within 10 business days of order and
applied to your account. Rewards will expire 90 days after date earned.

--------------------------------------------------------------------------------

†

† Cannot be combined with other offers. Valid one time only. Duplicate offers
will not be accepted. Maximum of Total Discount Limited to $5,000. Offer will
not be re-issued if lost, stolen or destroyed or with return/refund of
merchandise. The entire transaction amount after discount must be placed on the
Overstock Store Credit Card. Does not apply to items in current site promotions.
Purchases of gift cards, Club O Memberships, and products from the
“Electronics”, “Books & Movies”, “Sports & Toys”, “Pet Supplies”, “Health &
Beauty”, “Designer Store”, “Baby” stores, from the “Housewares” department and
from Special Sales, Minimum Advertised Priced products, “Grills & Outdoor
Cooking”, “Large & Small Appliances”, “Kitchen Furniture”, “Showers”, “Office
Supplies”, “Cookware” and “Cars” stores are not included. For qualifying items,
product page price will show, ‘Today After Coupon.’ Discount appears at
checkout. See site for details, exclusions and limitations. Offer subject to end
at any time. Account must be in good standing at time of transaction.

--------------------------------------------------------------------------------

‡

‡ Click here for important rate, fee, and other cost information.

--------------------------------------------------------------------------------

§

§ 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 and
minimum interest charge. As of 09/2020, terms for new Accounts: Variable
purchase APR of 26.99%. Minimum interest charge is $2 per Credit Plan in any
billing period in which interest is due. Existing Cardholders: see your credit
card agreement for Account terms.

Credit card offers are subject to credit approval.

Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.

--------------------------------------------------------------------------------

℔

℔ Minimum payments required each billing period. Interest will apply according
to your regular credit terms.

Credit card offers are subject to credit approval.

Overstock Store Credit Card Accounts are issued by Comenity Capital Bank.

--------------------------------------------------------------------------------


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