Big Lots Credit Card
Basic Information
Program ID: big-lots-credit-card-new
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:32
Last Scraped: 01/15/2026 14:33
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,799.00% - 2,999.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 1 days
Bonus Timing: The 20% discount is applied immediately at the point of sale on your first day's purchases when you open and use your Big Lots Credit Card. Note: This offer is a percentage discount, not a fixed amount of points/miles/cash, hence 'SignupBonusAmount' is set to 0 as per the schema's implied definition for fixed bonuses.
Rewards Program
Reward Type: Big Lots Rewards 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 do not expire as long as account is active
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: New cardholders receive 20% off their first Big Lots purchase made within 30 days of account opening, up to a maximum discount of $100. Ongoing benefits include 5% back in rewards on all Big Lots purchases. Eligibility requires applicants to be at least 18 years of age, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a fair to good credit history. Approval is subject to BreadFinance's credit underwriting standards. This card is primarily for use at Big Lots stores and biglots.com.
Maximum Cards Per Issuer: 10
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: High cumulative credit limit across all BreadFinance accounts, multiple applications for BreadFinance cards within a short period, missed payments or late payments on any BreadFinance account, suspicious activity or transactions inconsistent with typical spending patterns, attempting to use the store-specific card for non-Big Lots purchases repeatedly.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.2 / 5.0
Top Positive Feedback:
Initial sign-up discounts and special financing offers are attractive, and it provides rewards specifically for Big Lots purchases.
Top Negative Feedback:
High APR, deferred interest traps, and frequent complaints about Comenity Bank's customer service and online account management.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
- Amazon Store Card
Card Value Score: 40.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024