Big Lots Credit Card Login, Customer Service & More – Guides

Nowadays, many retailers issue credit cards to provide exclusive perks for their customers. If you’ve ever purchased something from a retail store, you would’ve bumped into a special offer tailored for credit card holders.

And, such payment options are easier to get, provided your credit score should be decent. However, you can not expect much from them, as such cards offer meager rewards or discounts.

Nevertheless, Here we are going to talk about the Big Lots credit card, which is also a closed-loop (retail store) credit card.

This credit card is launched by Big Lots retail company in association with Comenity Capital Bank, while Big Lots runs the Big Rewards program, Comenity Bank determines the fees and eligibility criteria.

Here you can find all the details such as how to log in, make payments, activate the card, etc.

How to Login to your Big Lots credit card account

By following the process below, you can easily log in to your Big Lots store card:

Big Lots credit card homepage
  • You will be redirected to the Comenity Bank page, now click the “Sign In” button, as arrowed in the image.
Comenity Capital Bank Big Lots credit card page
  • Now you probably know what to do. Just enter your login credentials and hit the “Sign In” button.
  • Now, you can use a credit card to shop, make payments, etc.

It’s worth noting that, similar to the other sign-in pages, there are options available to reset and recover email and password, so that you do not lose track of your account despite forgetting the credentials.

With the “Remember me” tick box you can stay signed in even on the next website visit.

Also Read: Wawa card login Guides and more

How to Register:

  • Go to the Big Lots Sign In page, and click the “Register Now” link as shown in the image below.
Big Lots Comenity Bank Log in page
  • Now, provide your credit card number, zip or postal code, and a valid identification number.
  • Click “Continue” to proceed further.

Process to activate your card:

First, you need to activate the card to register it to the issuer’s data log.

Here’s how you can do that:

  • Visit the Big Lots Comenity bank’s homepage.
  • Select the “Activate Card” tab from the top menu.
  • Enter your credit card account number, zip code or postal code, and the last 4 digits of your SSN.
  • click the continue button.

How to Apply:

To apply for a Big Lots credit card, you can follow these steps below.

  • First off, land on the Big Lots credit card application page.
  • You might need to complete security steps such as “CAPTCHA” or “you are not a robot” authentication.
  • After completing security authentication, you will be redirected to the application page.
  • There you need to complete three steps.
  • In the first step provide personal information and contact information, for instance, enter your name, address, SSN, date of birth, annual income, zip code, street address, city, email address, mobile number, etc.
  • After providing all these details click the “Continue” button to proceed to the next step.

Add an authorized user: This option lets you add a person with your credit card account, and you have to take care of all of his purchase expenses.

You can send your application with the suggestion to add an authorized person, after the approval you are allowed to link up to four people with your account.

Payment options:

There are several options to set yourself free from your credit card debt.

Online: You can use this most recognized way to pay your credit card bill. Just log in to your Big Lots credit card account, and pay your bill directly to the issuer bank.

Make payments using a phone number: You can use 888-566-4353 (TDD/TTY: 888-819-1918) to process your payment.

Pay in-store: If you are enchanted about outdoor shopping, this is the most suitable method for you. As it is a get introduced by the assortment of products, keep yourself updated about new coming products as well as to sort out old dues.

Customer Service Options:

  • Call the 18662445687 customer assistance number available Monday – Saturday, from 8 am to 9 pm at your service.
  • Visit the Big Lots credit card homepage, and locate the “Contact Us” link under the Customer Care heading, this link provides you options like chatting with the team, Emailing them, and also providing feedback.

Benefits of using the Big Lots Credit Card:

This store card comes with a few perks:

  • $5 off for every $100 purchase, or if you pay your $250 or more expenditure in full within 6 months, and $750+ expenditure within 12 months, no interest will be applicable.
  • Exclusive credit card offers.
  • 15% cash back on your first purchase when you join the Big Rewards program.
  • No annual fee.
  • Financing options that are lucrative for you.
  • Every month Comenity Bank will report to the major bureaus so that your credit score keeps getting better.

Fees and Terms:

The most important segment of a credit card is what are the fees applied to your every purchase, cash advance, bank transfer, and APR sort of thing.

Here are some crucial fees and other terms:

  • The APR is only applicable for purchases and is 32.24%. It tends to modify with the market rate.
  • The interest rate is set to $3 if you do not pay off the entire amount within the given period.
  • The initial late payment and returned payment fee is $30, thereafter it will go up to $41 at max.


  • Akin to other cards policy, you must be an adult (18+), as most U.S. states set the age of 18, also you must have a valid U.S. address, photo ID, and govt. certified identity card.
  • You need at least a fair credit score to get qualified.

Wrap up

So, that’s all we have to provide about Big Lots credit cards by keeping in mind the most potential queries about credit cards. Also, we squeezed out crucial benefits, terms, and fee criteria for the card to keep you updated so that you can determine whether this card is for you or not.