Last Updated: 07/28/2025
SuperMoney User Recommendation Score -83
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Highlights
Community Rating
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
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Number of Reviews
Big Lots Credit Card Review
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 24 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Big Lots credit card
| The Good | The Bad |
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Big Lots credit card FAQ
Does Big Lots credit card have a cash back or rewards program?
- Retail
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Big Lots credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does Big Lots credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Big Lots Credit Card does not offer balance transfers.Does Big Lots credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 24 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the fees for Big Lots credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for Big Lots credit card?
How do people rate the customer service and user experience of Big Lots credit card?
Does Big Lots Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Comenity Bank perform a hard credit pull?
How to apply for Big Lots credit card
- Visit the website of Big Lots credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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Purchase APR
Balance Transfer APR
Credit Score Range
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -83, or 1.3 on a 5-point rating scale.
-83
Big Lots Credit Card Community Reviews
Would you recommend Big Lots Credit Card to your friends?
Denise S.
Apr 17, 2023
May or may not recommend
Anonymous
Aug 17, 2022
May or may not recommend
Robelys F.
May 28, 2022
May or may not recommend
Anonymous
Oct 3, 2020
May or may not recommend
Biglots C.
Mar 5, 2020
May or may not recommend
Kimberly H.
Sep 14, 2019
May or may not recommend
Showing 6 of 6 reviews
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