Overstock Store Credit Card

BreadFinance Pending

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4

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: overstock-store-credit-card

Issuer: BreadFinance

Card Name: Overstock Store Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:33

Last Scraped: Feb 11, 2026 06:59

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Military Lending Act (MLA) provides certain protections for active duty service members, their spouses, and dependents. The Overstock Store Credit Card is covered by the MLA, ensuring the Military Annual Percentage Rate (MAPR) for covered borrowers will not exceed 36%.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Overstock.com Purchases 5x Points Net Eligible Purchases made at Overstock.com No Cap
All Other Purchases 1x Points Net Eligible Purchases made everywhere else Visa is accepted No Cap
Rewards Summary
PENDING

Reward Type: Rewards Dollars

Bonus Rate: 5x

Categories: Overstock.com purchases

Quarterly Rotating: No

Expiration Policy: Rewards Dollars expire 12 months after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of $10 Rewards Dollars required.

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No annual fee

There is no annual fee associated with the Overstock Store Credit Card, allowing cardholders to save money year after year.

Shopping 3
Overstock Rewards
5% back in rewards

Earn 5% back in rewards on all eligible purchases made at Overstock.com. Rewards are issued as certificates that can be redeemed on future Overstock.com purchases.

Special Financing Offers
Varies by offer

Access to special financing promotions on qualifying purchases made with your Overstock Store Credit Card. Specific terms, interest rates, and durations apply and are disclosed at the time of purchase.

New Cardmember Discount
Discount on first qualifying purchase

Receive a special discount on your first qualifying purchase when you open and use your Overstock Store Credit Card. Specific offer details and minimum purchase requirements apply.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 24 months

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 12 Months OR 24 Months (depending on the offer) from the purchase date. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payments are required. The regular APR for purchases applies to the promotional purchase.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Overstock Store Credit Card, issued by BreadFinance, is primarily designed for purchases at Overstock.com (or its rebranded entities). Eligibility requirements for 2026 include being at least 18 years of age, a U.S. resident with a valid Social Security Number, and meeting BreadFinance's creditworthiness criteria. Approval is subject to a credit check. New cardholders typically receive a one-time bonus, such as a percentage off their first purchase (e.g., 10-20% off) or a statement credit after a minimal initial spend. The card is subject to store-specific restrictions, meaning its use is generally limited to Overstock.com and associated brands, and rewards are typically redeemable as store credit or discounts.

Max Cards Per Issuer: 5

Min Spend Interval: First purchase or within 30 days of account opening

Shutdown Risk Triggers: Unusual spending patterns inconsistent with typical Overstock purchases, excessive returns or chargebacks, suspected fraudulent activity, failure to make minimum payments, violation of Overstock.com's terms of service (e.g., reselling if prohibited), or high cumulative credit exposure across all BreadFinance accounts.

Cliff Effect Rules: The Overstock Store Credit Card is generally a standalone product with no complex 'card family' or 'cliff effect' rules that impact eligibility or benefits based on holding other BreadFinance cards or specific Overstock-branded products.

Special Events: Exclusive cardholder-only sales events, bonus rewards points/cashback on specific categories or during promotional periods, early access to major sales, birthday discounts, and special free shipping offers.

Holiday Promos: Black Friday/Cyber Monday (November-December), Memorial Day Sale (May), 4th of July Sale (July), Labor Day Sale (September), President's Day Sale (February), Back-to-School (August), and various seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Good for frequent Overstock shoppers; offers exclusive discounts and special financing; relatively easy application process.

Top Negative:
High APR; limited use (only at Overstock); customer service can be inconsistent; rewards are store-specific.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Amazon Store Card
  • Discover it Cash Back

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023