Make your dream home come true with rewards and financing options powered by Overstock credit cards!

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Welcome RewardsWelcome Rewards

5
%†
on Bed Bath & Beyond purchases
Plus

special financing options^ on qualifying purchases

Two cards. Two easy choices. Smart savings all around!

Two cards. Two easy choices. Smart savings all around!

Overstock™ Mastercard®
Overstock™ Credit Card

Rewards and deals when you shop at Bed Bath & Beyond

FREE Was $19.95 Welcome Rewards Membership†
with Overstock Mastercard and Overstock Credit Card
No annual fee**
with Overstock Mastercard and Overstock Credit Card
5%† Back in Rewards at Bed Bath & Beyond
with Overstock Mastercard and Overstock Credit Card
Special financing options^ on qualifying purchases
with Overstock Mastercard and Overstock Credit Card

Welcome Rewards everywhere you shop

3%† on apparel & department store purchases
only with Overstock Mastercard
2%† on gasoline purchases
only with Overstock Mastercard
1%† on all other purchases
only with Overstock Mastercard

Ready to start earning with an Overstock credit card

See if I prequalify
Apply Now

Frequently Asked Questions

The Overstock Mastercard and Overstock Credit Card let you earn 5% back in rewards at Overstock, enjoy exclusive Club O rewards, and receive special financing^ on qualifying purchases. The Overstock Mastercard can also be used anywhere Mastercard is accepted and provides an opportunity to earn additional rewards on purchases made outside of Overstock.

Good news—if you're approved, you should be instantly notified. However, if it takes longer to process your application, the bank will notify you by mail regarding the reasons for the decision. If you have questions about your application, please contact Citibank at 1-833-808-0180. (For TTY: We accept 711 or other Relay Service.)

Special financing offers are available. Some promotional financing is offered on a periodic basis. Please always check when a promotional plan expires. Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period.^

Overstock Mastercard cardmembers will receive their physical card and Overstock Credit Card cardmembers will receive a letter with account information about their digital card within 7-10 business days via US mail.

There are no fees associated with opening an account or keeping an account open. However, you must make on-time payments to avoid fees.

The Overstock credit cards do not have an expiration date. The card is valid as long as you use it. Inactive accounts may eventually be canceled for security purposes.

You can make payments and manage your account by signing in at www.overstock.accountonline.com or by calling 1-833-714-0051, (For TTY: We accept 711 or other Relay Service.)

If you have an Overstock Credit Card issued by Comenity Bank, please click here to pay your bill, or manage your account.

You can reach your Overstock Credit Services team by visiting www.overstock.accountonline.com or by phone at 1-833-714-0051, (For TTY: We accept 711 or other Relay Service.)

They can assist you with:
  • Paying your bill
  • Registering for online bill pay and paperless statements
  • Requesting a replacement for lost/stolen cards
  • Adding authorized users
  • Obtaining a copy of your billing statement
  • Answering questions about your account
  • Answering questions about your bill or transactions, including financing transactions
  • Updating your account information
  • Requesting a change to your credit limit
  • … and more!
If you have questions about your Rewards balance or order status, you can reach Overstock Customer Service at 1-800-843-2446.

If you have questions about your Rewards balance please visit: https://www.bedbathandbeyond.com/myaccount/clubo

If you're logged in using someone else's Overstock account that is already linked to an Overstock credit card, you'll need to log out of that account to apply for your own Overstock credit card.

Terms and Conditions

Rewards and Financing Details

Rewards:

† You will earn Reward Points on all Net Eligible Purchases. For both the Overstock Credit Card and Overstock Mastercard you will earn 5% back in Reward Points when you use your card at overstock.com. For the Overstock Mastercard, you will earn Reward Points when you use your card outside of overstock.com: 3% on net eligible purchases at department stores and apparel stores; 2% for net eligible purchases at gas stations. You will only earn 1%, not 2%, for gas purchased at superstores, supermarkets, warehouse clubs; 1% on all other net eligible purchases with your Overstock Mastercard. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Net Eligible Purchases in the different categories. Neither Overstock nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Overstock does reserve the right to determine which purchases qualify for Reward Points. Reward Points are not earned on, and the term “Net Eligible Purchases” does not include: taxes and/or shipping, returns, refunds, credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, convenience checks, cash advances or any other transaction treated like a cash advance, interest and fees. Reward Points have no cash value and are not redeemable for cash. Additional terms and exclusions apply.

Overstock credit card members receive automatic enrollment in Club O membership. For a list of additional Club O benefits, go to bedbathandbeyond.com/club-o-rewards-program. The Overstock Credit Card and Overstock Mastercard Rewards Program is offered by Overstock. Overstock may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies.
See the full Overstock Credit Card Rewards Program Terms.

No Annual Fee**

**As of 9/1/2023, the Overstock Credit Card Purchase APR: variable 34.24%, Min. interest charge: $2. Overstock Mastercard Purchase APR: variable 34.24%; Balance Transfer APR: variable 34.24%. Cash Advance APR: variable 34.24%. Minimum interest charge: $2. Transaction fee for balance transfers: Either $10 or 5% of the amount of each balance transfer, whichever is greater. Transaction fee for cash advances: Either $10 or 5% of the amount of each cash advance, whichever is greater. Transaction fee for foreign purchases: 3% of purchase amount after its conversion into U.S. dollars.

No Interest if Paid in Full Within Promotional Period:

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Valid through 08/31/2025.
  • 6 month^ Financing on orders over $199
  • 12 month^ Financing on orders over $499
  • 18 month^ Financing on orders over $1499
  • 24 month^ Financing on orders over $1999
^With credit approval for qualifying purchases made on the Overstock Mastercard at Overstock. As of 9/1/2023, Purchase APR: variable 34.24%. Minimum interest charge: $2. See card agreement for details. Offer valid for consumer accounts in good standing. Promotional financing orders are not eligible for the introductory offer.

Major Purchase Plans^

Valid through 08/31/2025.
  • 9.99% APR for 36 months^ on orders over $1,299
  • 9.99% APR for 48 months^ on orders over $1,699
  • 9.99% APR for 60 months^ on orders over $1,999
^With credit approval for qualifying purchases made on Overstock Credit Card or Overstock Mastercard at overstock.com. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Offer valid for consumer accounts in good standing. May be combined with reward offers.

1Pre-Qualify:

See if you pre-qualify for an Overstock credit card. This is not an application for credit.

The Overstock Credit Card and Overstock Mastercard are issued by Citibank, N.A.. Citi and Arc Design is a registered service mark of Citigroup Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.