Big Lots Credit Card

BreadFinance Pending

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5

Benefits

4

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: big-lots-credit-card

Issuer: BreadFinance

Card Name: Big Lots Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:13

Last Scraped: Feb 05, 2026 04:43

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may be subject to the Servicemembers Civil Relief Act (SCRA), which provides protections including an interest rate cap of 6% per year on certain pre-service obligations.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Big Lots Purchases 5x Points Purchases made at Big Lots stores or biglots.com No Cap
Gas 2x Points Purchases made at gas stations No Cap
Groceries 2x Points Purchases made at grocery stores No Cap
All Other Purchases 1x Points All eligible purchases made outside of Big Lots, gas, and grocery categories where Visa is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Shopping 5
Rewards Points Earning
2 points per $1 spent

Cardholders earn 2 points for every $1 spent on qualifying purchases made at Big Lots stores or biglots.com using their Big Lots Credit Card.

Rewards Certificate Redemption
$5 reward for every 1,000 points

For every 1,000 points earned, cardholders receive a $5 reward certificate, redeemable on future Big Lots purchases.

Birthday Offer
Special offer

Cardholders receive a special offer or discount during their birthday month. Specific offer details are typically communicated via email or mail.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special promotional financing offers on qualifying purchases made with their Big Lots Credit Card. Terms and conditions apply, such as minimum purchase amounts and specific promotional periods (e.g., 'No interest if paid in full within X months').

Exclusive Cardholder Savings Events
Access to exclusive events

Access to exclusive sales events and special discounts available only to Big Lots Credit Cardholders.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Fair
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders typically receive an initial discount (e.g., 20-25% off) on their first Big Lots purchase made within a specified period (e.g., 30 days). Ongoing rewards usually include 5% back in rewards on eligible Big Lots purchases, redeemable for future Big Lots discounts. Occasional bonus reward events may occur. Eligibility requirements: Applicants must be at least 18 years old, a US resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval typically requires a fair to good credit score, though BreadFinance (Comenity) is known for being more accessible than traditional banks for store cards. Income verification may be requested.

Max Cards Per Issuer: 1

Min Spend Interval: 3 months

Shutdown Risk Triggers: High credit utilization on the card, missed or late payments, suspected fraudulent activity, rapid accumulation of multiple credit accounts (even with BreadFinance, though they are more lenient than other issuers), significant changes in financial behavior, or exceeding internal credit limits across all BreadFinance accounts.

Cliff Effect Rules: No specific 'card family' or 'once per lifetime' rules are typically associated with the Big Lots credit card or other BreadFinance store cards. Eligibility for one BreadFinance card does not generally preclude eligibility for another, though overall credit limits and risk assessment across all accounts will be considered.

Special Events: Big Lots cardholders frequently receive exclusive early access to sales, additional percentage-off discounts during store-wide promotions (e.g., 'Friends & Family' events, seasonal clearances), and bonus reward points on specific product categories or spending thresholds throughout the year.

Holiday Promos: Expect enhanced reward offers or special discounts for cardholders during major retail holiday periods such as Black Friday/Cyber Monday, Christmas/New Year, Memorial Day, 4th of July, Labor Day, and Back-to-School seasons.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for fair credit, good initial discounts and special financing offers, useful for frequent Big Lots shoppers.

Top Negative:
Poor customer service, high APR, limited rewards outside Big Lots, issues with online account management, frequent credit limit increases without request.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Capital One Platinum Credit Card
  • Discover it Secured Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023