Overstock Store Credit Card
Basic Information
Program ID: overstock-store-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Store Card
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:33
Last Scraped: 01/15/2026 15:34
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: 3,224.00% - 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: $30.00
Spending Requirement: $150.00
Time Period: 30 days
Bonus Timing: Discount is applied instantly at checkout when the qualifying first purchase is made.
Rewards Program
Reward Type: Store Credit Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Overstock.com purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requirements for the Overstock Store Credit Card (issued by BreadFinance) for 2026 include being at least 18 years of age, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting BreadFinance's creditworthiness criteria (typically fair to good credit). New cardholders often receive a one-time discount on their first qualifying purchase (e.g., 15-20% off). Ongoing benefits typically include special financing offers on qualifying purchases (e.g., 0% APR for 6, 12, or 24 months on purchases over a specified amount), exclusive cardholder discounts, and early access to sales events at Overstock.com and potentially Bed Bath & Beyond. Application is typically online with an instant decision.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Not applicable for a traditional sign-up bonus; promotional spend offers for deferred interest or bonus rewards may vary (e.g., 3-6 months).
Shutdown Risk Triggers: Non-payment, repeated late payments, suspected fraudulent activity, excessive returns, account abuse, bankruptcy filing, high cumulative credit limit across multiple BreadFinance products (if applicable), or significant adverse changes in credit profile indicating high risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for fair credit, initial discount/rewards for Overstock purchases, useful for frequent Overstock shoppers.
Top Negative Feedback:
High APR, poor customer service, issues with online payment portal, limited rewards outside Overstock, difficult to close account.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Amazon Store Card
- Discover it Secured
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 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: January 2024