Big Lots Credit Card

BreadFinance Pending

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4

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

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

Issuer: BreadFinance

Card Name: Big Lots Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 09:55

Last Scraped: Feb 16, 2026 09:58

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of credit to an annual percentage rate of 36 percent, which includes various fees and premiums. For more information, call 1-844-271-2766.

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

Reward Type: Big Lots Rewards

Base Rate: 0.05x

Categories: Purchases at Big Lots

Quarterly Rotating: No

Expiration Policy: Big Lots Rewards expire 90 days from the date they are issued.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are issued as Big Lots Bucks coupons in $10 increments. A minimum of $10 in rewards is required to receive a coupon. Coupons cannot be used on gift cards, previous purchases, or certain services.

Benefits & Protections (Detailed) 4 Total
PENDING
Lifestyle 1
Birthday Surprise
Varies

Receive a special surprise or offer during your birthday month as a Big Lots Credit Cardholder.

Shopping 3
First Purchase Discount
15% off first purchase

Save 15% on your entire first purchase when you open and use your Big Lots Credit Card.

Special Financing Offers
Varies by offer

Get special financing offers on qualifying purchases made with your Big Lots Credit Card. Specific offers and terms will be disclosed at the time of promotion or purchase.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and savings opportunities 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
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%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 Months. Minimum monthly payments required. See associate for details.
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: Eligibility: Applicants must be 18 years or older, a US resident with a valid SSN or ITIN, and meet BreadFinance's creditworthiness criteria (typically fair to good credit score required). Application Rules: Applications are primarily processed online or in-store. Instant approval is common for qualified applicants. Bonus Rule: New cardholders for 2026 are anticipated to receive a one-time discount on their first Big Lots purchase (e.g., 15-20% off) and/or ongoing rewards (e.g., 5% back in rewards on Big Lots purchases). Specific bonus offers may vary by promotional period.

Max Cards Per Issuer: 5

Min Spend Interval: 30-90 days for spend-based bonuses, if applicable (most bonuses are first-purchase discounts)

Shutdown Risk Triggers: High credit utilization, missed payments, defaulting on other BreadFinance accounts, suspected fraudulent activity, rapid application for multiple BreadFinance cards, excessive returns or abuse of return policies.

Cliff Effect Rules: Not applicable; store credit cards typically do not have 'card family' rules or complex upgrade/downgrade paths that trigger cliff effects. This card is specific to Big Lots.

Special Events: Cardholders often receive exclusive discounts or early access during major Big Lots sales events such as 'Friends & Family' sales, seasonal clearances (e.g., Spring Home Event, Back-to-School, Holiday Decor), and anniversary promotions.

Holiday Promos: Major US retail holiday periods including Memorial Day, 4th of July, Labor Day, Halloween, Thanksgiving (Black Friday/Cyber Monday), Christmas, and New Year's.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.9 / 5.0

Top Positive:
Easy approval, helpful for building credit, occasional store discounts and special financing offers.

Top Negative:
Very high APR, poor customer service from Comenity, low credit limits, difficult online account management, limited use (store-only).

Approval Experience: 85.0 / 100

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

Card Value Score: 45.0 / 100

Est. Annual Rewards: $40.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 26, 2023 00:00