Big Lots Credit Card

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Basic Information

Program ID: big-lots-credit-card

Issuer: BreadFinance

Card Type: Credit

Network: N/A

Card Tier: Standard

Data Complete: Yes

Created: 01/15/2026 12:13

Last Scraped: 01/15/2026 12:16

Fee Structure
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 30.00%
Interest Rates

Purchase APR Range: 2,999.00% - 3,224.00%

Intro Purchase APR: 0.00%

Intro APR Duration: 0 months

Balance Transfer APR: 0.00%

Intro BT APR: 0.00%

Intro BT Duration: 0 months

Cash Advance APR: 3,224.00%

Sign-Up Bonus

Bonus Amount: $0.00

Spending Requirement: $0.00

Time Period: 0 days

Bonus Timing: Based on typical offers for the Big Lots Credit Card, the welcome offer is a percentage discount (e.g., 15% off) applied immediately at the point of sale on the first purchase made with the card. There is no traditional fixed points/cash bonus with a spending requirement over a period of months.

Rewards Program

Reward Type: Points

Base Reward Rate: 1.00%

Bonus Reward Rate: 5.00%

Bonus Categories: 5x Big Lots purchases

Point Value Estimate: 0.0100 cents/point

Expiration Policy: Points expire 12 months after issuance or if account is inactive for 24 months.

Card Benefits
Protection Benefits
  • Extended Warranty
  • Purchase Protection
  • Cell Phone Protection
  • Price Protection
Travel Benefits
  • Travel Insurance
  • Primary Rental Protection
  • Trip Delay Coverage
  • Lost Luggage Coverage
  • No Foreign Transaction Fees
Premium Benefits
  • Airport Lounge Access
  • Concierge Service
Approval Criteria

Recommended FICO Range: 670 - 780

Approval Odds Category: Good

Pre-qualification Available

Soft Pull Supported

Hard Pull Bureau: Experian, TransUnion, Equifax

Issuer Rules

Rules: Eligibility for the Big Lots Credit Card in 2026 typically requires a good to excellent credit score (FICO 670+ recommended), US residency, 18 years or older, a valid SSN/ITIN, and sufficient verifiable income. New cardholders are expected to receive a one-time discount (e.g., 15-20% off) on their first Big Lots purchase made within 30 days of account opening, or a bonus points offer after meeting a small spend threshold. Applications are subject to a credit check, and instant decisions are often available.

Maximum Cards Per Issuer: 5

Minimum Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, extended periods of card inactivity, late payments or defaults on any credit products, suspicious spending patterns inconsistent with typical retail purchases, and rapid application for multiple new credit lines.

International Friendly

User Analytics & Insights
User Ratings

Average Rating: 2.8 / 5.0

Top Positive Feedback:
Easy approval for those with fair credit, offers special financing and discounts on Big Lots purchases, useful for frequent Big Lots shoppers.

Top Negative Feedback:
High APR, poor customer service from Comenity, limited use as it's a store-only card, frequent credit limit reductions reported.

Approval Experience Score: 75.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured
  • Discover it Secured
  • Amazon Store Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

User Portfolio Metrics

Avg Portfolio Size: 2 cards

Avg Portfolio Age: 36 months

Store vs Co-brand: 100% Store / 0% General

Risk Assessment

Default Risk Group: Medium

Predicted Approval Probability: 85.0%

Terms Version Control

Version ID: v1.0