Big Lots Credit Card

BreadFinance Pending

Back Apply Now

6

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: big-lots-credit-card-new

Issuer: BreadFinance

Card Name: Big Lots Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:32

Last Scraped: Feb 07, 2026 05:04

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Big Lots Purchases 2x Points Qualifying purchases made at Big Lots stores or biglots.com. No Cap
All Other Purchases 1x Points Qualifying purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Reward Type: Store Credit

Bonus Rate: 5x

Categories: Big Lots purchases

Quarterly Rotating: No

Benefits & Protections (Detailed) 6 Total
PENDING
Shopping 6
Accelerated Rewards Earning
2X points per $1

Earn 2 points for every $1 spent on qualifying purchases at Big Lots stores or biglots.com when using your Big Lots Credit Card.

Rewards Redemption
$5 reward per 1,000 points

Receive a $5 reward for every 1,000 points earned. Rewards are issued in $5 increments.

Rewards Expiration
45 days

Rewards expire 45 days from the date of issuance.

Special Financing Offers
Varies by offer (e.g., 6 months, 12 months)

Access to special financing offers on qualifying purchases made with your Big Lots Credit Card at Big Lots stores or biglots.com. Examples include 6 months special financing on purchases of $250 or more, and 12 months special financing on purchases of $750 or more. Subject to credit approval.

Maximum Rewards Earning per Transaction
Up to $250 in rewards

A maximum of $250 in rewards can be earned per single transaction.

Maximum Rewards Redemption per Transaction
Up to $250 in rewards

A maximum of $250 in rewards can be redeemed per single transaction.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the Big Lots Credit Card from BreadFinance is expected to offer an initial bonus, typically a one-time discount on the first purchase (e.g., 20% off) or special deferred interest financing options (e.g., 6, 12, or 18 months no interest on qualifying purchases). Eligibility requirements include being at least 18 years old, a U.S. resident with a valid Social Security Number or ITIN, possessing a verifiable income, and generally having a good to excellent credit history (FICO score of 670+ is recommended for optimal approval odds). Application approval is subject to BreadFinance's credit underwriting standards.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases), high cumulative credit limit across all BreadFinance accounts, consistent high credit utilization on the Big Lots card, missed or late payments on any BreadFinance account, suspicious spending patterns inconsistent with typical Big Lots purchases, suspected fraud, bankruptcy filings, or extended periods of account inactivity (e.g., 12+ months).

Cliff Effect Rules: BreadFinance does not typically have 'card family' cliff effects like premium travel cards. However, your overall credit relationship and total credit exposure with BreadFinance (across all their issued cards) will significantly influence approval for new cards, credit limit adjustments, and account management decisions. There are no specific rules for downgrading or upgrading within a 'Big Lots card family' as it functions as a standalone store card.

Special Events: Big Lots 'Friends & Family' sales, seasonal clearance events (e.g., Spring, Summer, Fall, Winter), category-specific promotions (e.g., '20% off furniture,' '15% off groceries'), 'Big Lots Day' or anniversary sales, and exclusive cardholder-only discount days.

Holiday Promos: New Year's Day sales (January), President's Day sales (February), Memorial Day sales (May), Independence Day sales (July), Back-to-School promotions (July-August), Labor Day sales (September), Black Friday / Cyber Monday (November), and Christmas / Post-Christmas sales (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Exclusive discounts and rewards for frequent Big Lots shoppers; relatively easy approval process for those with fair credit.

Top Negative:
High interest rates; limited use outside of Big Lots stores; customer service can be inconsistent; rewards structure can be confusing.

Approval Experience: 65.0 / 100

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

Card Value Score: 55.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-03