Does Overstock Credit Card Still Work? Find Out

The Overstock Credit Card is no longer available. The program ended on July 17, 2023.

In this article we will review some of the benefits and features of overstock credit card before they ended but If you have an existing Overstock Store Credit Card, you can continue to use it until the balance is paid off.

You can also apply for a different credit card that offers rewards or other benefits.

What’s Overstock Credit Card?

Overstock Credit Card
Overstock Credit Card Login | Why Is Overstock Credit Card Closing

Overstock Credit Card is a store credit card offered by Overstock, an online retailer that sells furniture, decor, and other home goods.

The card is issued by Synchrony Bank and offers rewards such as cash back on purchases made through Overstock, as well as other perks like exclusive deals and discounts.

It can be used for purchases both online and in-store, and has a minimum credit score requirement of 640.

The overstock credit card also has no annual fee, making it an attractive option for those who frequently shop at Overstock.com.

Benefits And Features Of Overstock Credit Card

The Overstock Mastercard is a credit card that offers a variety of benefits and features, including:

  • 5% cash back on Overstock purchases: This is the card’s main benefit. You can earn 5% cash back on all purchases made on Overstock.com.
  • 3% cash back on apparel and department store purchases: You can also earn 3% cash back on purchases made at apparel and department stores.
  • 2% cash back on gas purchases: You can earn 2% cash back on gas purchases.
  • 1% cash back on all other qualifying purchases: You can earn 1% cash back on all other qualifying purchases.
  • No annual fee: There is no annual fee for the Overstock Mastercard.
  • Special financing: You can qualify for special financing on qualifying purchases.
  • Complimentary membership to Club O: You will receive a complimentary membership to Overstock’s rewards program, Club O. Club O membership includes a variety of benefits, such as free shipping, early access to sales, and double rewards for reviews.
  • Security features: The Overstock Mastercard offers a variety of security features, such as real-time purchase notifications and account alerts.

The Overstock Mastercard is a good option for people who frequently shop at Overstock.com and want to earn rewards on their purchases. ( Read On: Fintechzoom Credit Cards).

The card also offers a variety of other benefits, such as no annual fee and special financing. ( Check out: My paysafecard online).

Here are some of the limitations of the Overstock Mastercard:

  • The 5% cash back on Overstock purchases is capped at $1,500 per year. This means that you will only earn 5% cash back on the first $1,500 you spend on Overstock.com each year.
  • The 3% cash back on apparel and department store purchases is capped at $1,000 per year. This means that you will only earn 3% cash back on the first $1,000 you spend on apparel and department stores each year.
  • The 2% cash back on gas purchases is capped at $500 per year. This means that you will only earn 2% cash back on the first $500 you spend on gas each year.
  • The 1% cash back on all other qualifying purchases is not capped. This means that you will earn 1% cash back on all other qualifying purchases, regardless of the amount you spend.

Applying For Overstock Credit Card

The Overstock Store Credit Card program has ended. At this time, you cannot apply for the Overstock Store Credit Card. You can still use your existing Overstock Store Credit Card until the balance is paid off.

You can also apply for a different credit card that offers rewards or other benefits. (FAQs: Where can I load my chime card for free).

Here are some other credit cards that you can consider:

  1. Citi Custom Cash Card: This card earns 5% cash back on up to $500 in spending each month in your top eligible category. The 5% category rotates quarterly and includes categories such as gas stations, groceries, restaurants, and more.
  2. Chase Freedom Unlimited: This card earns 1.5% cash back on all purchases. There is no annual fee.
  3. Discover it Cash Back: This card earns 5% cash back on rotating categories each quarter and 1% cash back on all other purchases. There is no annual fee.

When choosing a credit card, it is important to consider your spending habits and what rewards are most important to you.

You should also compare the annual fees, interest rates, and other terms and conditions of different cards before making a decision.

To apply for a different credit card, you can visit the website of the credit card issuer or call their customer service number. ( See Also: How to activate chime card easily).

You will need to provide some personal information, such as your name, address, and Social Security number.

You will also need to provide your income and employment status information.

The credit card issuer will review your application and decide whether to approve or deny your application.

If your application is approved, you will receive a credit card in the mail. You can then start using your credit card to make purchases. ( Also Read On: How to add money to chime card without hassle).

Customer Support For Overstock Credit Card

Overstock Credit Card
Overstock Credit Card Login | Why Is Overstock Credit Card Closing

The Overstock Store Credit Card program has ended, effective July 17, 2023. If you have any questions about your account, you can contact overstock credit card phone number through Comenity Capital Bank, the issuer of the card, at 1-855-810-2546 (TDD/TTY: 1-888-819-1918).

Customer Care representatives are available Monday-Saturday, 8:00 AM – 9:00 PM EST, closed Sundays and major holidays.

You can also find answers to common questions about the Overstock Store Credit Card on the Comenity website: https://d.comenity.net/overstock.

You can also make use of the overstock credit card login portal by Signing in to your Comenity Capital Bank account at https://d.comenity.net/overstock

In conclusion, The Overstock Store Credit Card was a good option for people who frequently shopped at Overstock.com.

It offered a 5% cash back on all Overstock purchases and a 0% APR for 12 months on purchases. However, the program has been discontinued since July 17, 2023.

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