Big Lots Credit Card Benefits, Fees and Apply

What is Big Lots Credit Card?

Big Lots is one of the major retail stores in the United States of America offers a wide range of products in the field of food such as beverages and other food items, clothing, home furniture, home décor, patio, mattresses, toys, and small electronic items.

Big Lots have tried to always make it more convenient for the consumers to be able to make purchases at the store. Big Lots Credit Card is offered by the Big Lots toys, décor and furniture American physical and e-commerce store which is usable on the stores of the Big Lots and its associates in order to make payments and to be eligible for special discounts.

The cashless future and importance of Credit Cards

Since the world is fast moving towards a cashless future and more and more people today want to make payments through their credit cards, the store wants to make the lives of its regular customers more convenient. Through the Credit Card, the users can get the products that they desire and then make payments at the end of the billing month. A number of benefits and discounts are available for the users when they choose to make a purchase through the credit card. However, there are pros and cons to getting this card as compared to any other card for the purpose.

We will offer a full review of the Big Lots Credit Card later in this article but first all we will look into Big Lots Store and the services offered by it in general.

About Big Lots Store

Big Lots is an America retail store chain as well as an e-commerce online store providing products to consumers in the field of home décor, furniture, toys, and small electronics items. It is one of the oldest stores in the country as it was founded in the year 1967 has completed its 50 years last December. Big Lots retail chain stores are located in almost 47 states of the United States where it has more than 1400 stores at various locations while more and more stores continue to be opened. Some of the interesting facts about the Big Lot Stores are listed below:

1. It is one of the oldest Retail Stores in the United States of America and all over the world as it was founded in 1967 having a life of almost 50 years. The first store of the company was founded as a consolidated store in Columbus, Ohio.
2. The Big Lots Retail Chain is also known to be Consolidated Stores Corp. The founder of the company is Sol A. Shenk.
3. It has been listed under Retail Services or Retailing in its business listing.
4. Some of the popular products offered by the Retail Store are Clothing, mattresses, home décor, toys, bedding, furniture, outdoor décor, kitchen products, housewares etc.
5. Big Lots Stores is a subsidiary type of retail chain operating in the United States of America. It is a subsidiary of the LW Stores. The parent company runs various other retail stores in different parts of the United States. The consolidated stores Corp opened the first Odd Lots on the Ohio State in the year 1982.
6. The Big Lots Retail Store has to headquarter located in the State of Ohio of the United States of America while there are a number of stores of the brand spread all over the country. The retail chain operates in more than 1400 different locations in the United States from where it is providing a number of products which are listed above.
7. The Retail chain company trades on the New York Stock Exchange under the trading symbol of ‘BIG’ while it is also a part of the S&P 400.
8. Big Lots is one of the major revenue generating company in the United States as the revenue of the company in the year 2016 was $5.19 Billion while the net income was $142.87 Million. The total assets owned by the company are worth $1.62 Billion.
9. The store also maintains a healthy online presence which serves as the e-commerce store of the company. All the products of the stores are mentioned on the online store from where the users can search for the products that they want to purchase and add them to their basket.
10. The company also provides delivery services for online users. All they have to do is add all the products to the cart and make payment. The products get delivered in a few days to the address provided.
11. Big Lot Store is one of the biggest employers in the world with hundreds and thousands of employees currently working for the retail brand at its different locations all over the world.
12. The company also has one of the biggest customer bases all over the world. There are hundreds and thousands of customers’ in the country getting benefits of the services offered by the retail stores.
13. It is also one of the major employers in the United States of America as there are currently more than 11,400 workers working for the company in different capacities.
14. The Online Website of the company is {www.biglots.com}

Big Lots Credit Card Rewards

The company has a vibrant online presence at {www.biglots.com} address where the users can get the products that they desire and have them delivered to their homes or wherever they desire. There are a number of benefits of getting the products from the online store as you will be able to get a number of discounts and rewards. Some of the major benefits which can be obtained at the online store are as follows:

1. When you make 3 purchases at the store, you will get a $5 reward from the store. The reward can be redeemed or used towards buying something else from the store.
2. When you spend $200 for purchasing furniture and patio furniture items, you will get a reward of $10.
3. There are VIP shopping days announced by the company. On these days you will have the opportunity to get special discounts.
4. There is no limit to getting the discounts from the store which can be accessed from the “Buy More, Save More” motto of the company.
5. The store provides birthday gifts to the consumers. The gifts which are usually provided are surprised packages.
6. There are a number of other combine rewards and offers which are available for the people from time to time which can be availed on making purchases of certain types and amounts.

• Easy Leasing

The store provides one of the most comprehensive easy leasing services to the regular customers of the store with the help of which the users can make purchases at the store on a 90 days payment plan. The 90 days payment plan is one of the best services for the buyers as it is easily available on simple terms.

The store takes pride that the easy leasing plan is provided to the users without much consideration for the credit rating of the person. The store only gets information on the income and employment of the person. It is one of the most progressive leasing plans offered by any retail store in the United States.

In order to apply for the Big Lots Easy Leasing plan, all you have to do is to apply on the website of the store or by filling a form available at the stores.

Big Lots Credit Card

Big Lots Credit Card is the credit card offered by the Big Lots online eCommerce store and company which provides furniture and home décor products to its users in almost 47 states of the United States at around 1400 branches. The credit card of the store which works on the stores of the Big Lots Store is a source of extraordinary discounts for the users. The Big Lots Credit Cards are powered by the cominety bank.

Big Lot’s Credit Card Benefits

1. Cash Back: When you make a using the credit card of Big Lot’s, a cashback reward is offered. The cash back awards are available on the purchase of different items for the stores and the percentage of the cash backs available depend upon the type of the purchase. The cash back amount can accumulate and it can then be used towards the purchase of other items from the store. Hence, the cash back option allows you to purchase more and more items by paying the same amount. The company has the motto that “Buy More & Save More” which the users can make use of to get more discounts.
2. Discounts: There are a number of discounts available for the users when they choose to make a purchase through the big lots credit card. The discounts available depend upon the stars accumulated and the credit rating of the card. Other discounts from time to time are also available at the stores of the company.
3. Special Member Offers: There are a number of offers which are exclusively available for the members of the stores. These offers are also provided to the credit card holders of the store.
4. Easy Leasing: The store takes pride that the easy leasing plan is provided to the users without much consideration for the credit rating of the person. The store only gets information on the income and employment of the person. It is one of the most progressive leasing plans offered by any retail store in the United States.
5. Variable Interest Rate: When the users make a purchase through the Big Lot’s credit card an APR of 29.99% is applicable. There is no introductory APR available. The same amount of interest has to be paid when the user opts for a cash advance through the use of the Big Lot’s Credit Card.
6. No Annual Fee: Big Lot credit card is highly lucrative to the users as they can get the credit card and do not need to pay an annual fee. Most of the Credit Cards in the world require some annual fee to be paid for using the credit card. The annual fee has to be paid no matter if you use the card or not. The annual fee run in several dollars which is usually a huge amount for certain users. However, in case of Big Lot credit cards, no annual fee needs to be paid which saves quite a few dollars for the users. No annual fee or any other additional charges if the dues of the credit card are paid well in time.
7. Customer Service: The customer services offered by Big Lot’s is one of the best among all the credit card services provider. The customer services are offered 24/7 and the users can ask Solutions to their issues at any time. The customer service has been best rated by the users as judged by the reviews on the internet.

Big Lots Credit Card Fees

The Big Lots Credit Card is very flexible when it comes to the fees applicable to using the credit card. There is no annual fee involved for using the Big Lots Credit Card which means that the users can have a credit card but they do not have to pay an annual fee for just keeping the credit card. However, other fees have applied when the user uses the card for purchasing the products on the stores of Big Lots and its associates through the Big Lots Credit Card. Some of the fees and penalties which are applicable for using the Big Lots credit are as follows:

Interest Amount: While no fees are applicable for keeping the credit card of the store as the company does not have an annual fee policy, there is interest rate applicable for purchasing the stuff through using the Big Lots Credit Card which is 29.99% of the total value of the purchase. When the user misses the due date, there is an interest value as determined by the store which needs to be paid on the actual value of the product.

How to Apply for Big Lots Credit Card

The credit card of the company can be obtained by applying for the card on the website of the Big Lots Company. If you are looking for some awesome rewards and good deals on the online stores of the Big Lots Company, you may be advised to get the card. Below we will explain how you apply for the card of the company and get it in the right nick of the time:

1. In order to get the Big Lots Credit Card, you have to visit the website of the Big Lots [https://www.biglots.com/page/creditcard].
2. When you have reached the site, you will see the details on the credit card offered by the company on this page as well as read a lot of answers to the frequently asked questions. You can read these answers in order to decide whether you should get a card from the company or not.
3. Similarly, you will see a lot of terms and conditions which are applicable to the use of the credit card on this page. You should thoroughly read the terms and conditions and make adjustments if required. If there is a requirement of anything specific then you should get it ready before applying for the Big Lots Credit Card.
4. Now, when you are convinced to move forward with applying for the credit card, you will see a blue colored glaring button “Apply Now”. Click on this and it will take you to the next step.
5. Here you will be asked to enter your email address. Please provide your accurate and most professional email as this will be used against sending you all the information about your credit card.
6. In the next step, you will have to create an account at the Big Lots. This can be done by giving the Email address and a password. When all the other required basic information has been added, please move forward to submit.

Who can Apply for Big Lots Credit Card?

There are a number of conditions which apply towards applying for the credit card. Some of the conditions which must be fulfilled as stated on the website of Big Lots are as follows:

• You should be at least 18 years of age in order to be eligible to apply for the big lots stores credit card.
• You should be a U.S. resident residing in the United States in order to be eligible to apply for the big lots stores credit card.
• You should have a U.S. Social Security Number in order to be eligible to apply for the big lots stores credit card.
• You should have a street, rural route or APO/FPO mailing address (no PO BOX addresses) in order to be eligible to apply for the big lots stores credit card.
• You should have a valid government-issued photo ID in order to be eligible for applying for the big lots stores credit card.