Big Lots Credit Card Review

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If you’re in the market for a low-cost, high-volume place to shop, Big Lots is definitely worth checking out. In this Big Lots credit card review, we’ll cover everything you need to know before applying. From the types of cards they offer to the interest rates and fees, we’ll have you covered. So what are you waiting for? Apply today!

What is the Big Lots Credit Card?

Looking for a low-cost credit card? The Big Lots Credit Card might be perfect for you! This card offers 0% introductory APR on purchases and balance transfers for 12 months, and then a variable APR of 14.74-25.24%. Plus, there’s no annual fee. Here’s what you need to know about this card:

To qualify for the Big Lots Credit Card, you must have a good credit history and have at least $1,000 in total outstanding liabilities (mortgages, car loans, etc). You can also apply if you’re already a member of Club Big Lots.

The maximum amount you can borrow with the Big Lots Credit Card is $2,500. This limit includes both new and used items.

The interest rate on the Big Lots Credit Card is variable, so it could be higher or lower than the 14.74-25.24% advertised range. The interest starts accruing from the day your account is opened.

If you decide to use your card for a purchase that exceeds your approved borrowing limit, you’ll likely be required to pay back the entire balance within 30 days (or else face additional fees).

Bottom line: If you’re looking for a low-cost credit card that doesn’t require an annual fee, the Big Lots Credit Card might be right for you!

How Does the Big Lots Credit Card Work?

If you’re looking for a great way to save money at Big Lots, the company’s credit card may be the perfect option for you. The card offers rewards and discounts on your purchases, so it’s definitely worth considering if you’re frequently shopping at the store. Plus, since the card is backed by Visa, you can rest assured that your transactions will be processed smoothly.

To get started with the Big Lots Credit Card, first make sure that you have an active Visa account. After that, complete the application process by providing your name, address, and social security number. You’ll also need to provide a copy of your driver’s license or other valid identification card. Once you’ve completed the application process, you’ll receive a welcome kit containing instructions on how to use your new credit card.

There are a few important things to keep in mind when using your Big Lots Credit Card. First of all, always pay off your balance each month so that you avoid interest charges. Second, make sure to use your card for only legitimate expenses – don’t spend more than you can afford to pay back! And finally, don’t forget to sign up for account alerts so you know when there are special deals available on products in your shopping cart.

Overall, the Big Lots Credit Card is a great way to save money and get some extra rewards along the way!

Is the Big Lots Credit Card a Good Option for Me?

If you’re looking for a low-cost credit card that offers good benefits, the Big Lots Credit Card may be a good option for you. This card offers a 0% introductory rate on purchases and balance transfers for the first 12 months, after which it goes to a low 2.99% APR. You also get a free 3-month subscription to the Big Lots rewards program, which includes discounts on merchandise and cash back rewards. Finally, the card has no annual fees.

Though the Big Lots Credit Card doesn’t offer great interest rates, its other features make it worth considering if you shop at Big Lots frequently. The rewards program is especially valuable, as savings on merchandise can add up quickly. Plus, there are no foreign transaction fees or late payment penalties to worry about. If you’re looking for an affordable credit card that offers good benefits, the Big Lots Credit Card could be a good option for you.

What are the Fees and Terms of the Big Lots Credit Card?

The Big Lots Credit Card offers 0% APR on purchases and balance transfers for 12 months, after that the variable APR of 16.49%-25.99% will apply. The card has a $95 annual fee and accepts American Express, Mastercard, and Visa.

Cardholders can use the card to purchase items at over 1 million U.S. stores and online, as well as at select Canadian stores. There is no annual fee for foreign transactions.

Conclusion

Big Lots Credit Card is a great card for people who are looking for a low interest rate and no annual fees. The interest rates are very good and the customer service is excellent. There are few drawbacks to this card, but the one that stands out the most is that there is a minimum spending requirement of $250 per month in order to receive the sign-up bonus. Overall, Big Lots Credit Card is an excellent choice for those looking for a low-cost credit card with no annual fees.