Can I use my Overstock Credit Card anywhere?

Overstock is an online retailer of closeout as well as new merchandise in the USA. It deals in furniture, home decors, bedding, and other merchandise in the USA. Apart from the best process for its products, Overstock also has other offers, discounts, and benefits for its customers. One of these benefits is credit card Overstock credit card facility to the customers. Overstock offers retail stores as well as MasterCard credit cards to its buyers. But could these cards be used anywhere? The topic is ‘Can I use my Overstock Credit Card anywhere?’

Can I use my Overstock Credit Card anywhere?

Overstock MasterCard credit cards can get used at all stores where MasterCard is accepted. The use of store credit cards is limited to only shopping from Overstock. Overstock offers both store credit cards and Overstock MasterCard credit cards to its buyers.

Can I Use The Overstock Store Credit Card Anywhere?

However, the Notably, these credit cards also bring various rewards and discount for their holders. So, these are worth investing in. The store cards are designed to be used only in the to which it belongs. These credit cards have not co-branded with other stores.

An overstock store card is also this type of credit card. Hence, you can not use it anywhere. Credit purchases from the Overstock credit card are not acceptable in other retail and departmental stores. Overstock offers a credit card to its shoppers to increase their purchases without hesitating about the budget. apart from the credit benefits, the Overstock retail store credit card offers certain other benefits to its shoppers. 

The benefits are as follows:

  • With an Overstock store credit card, you receive a 10% discount on your first purchase.
  • The store credit cards holders get regular promo codes.
  • Credit cardholders also get an interest financing facility.

Notably, the benefits that Overstock store credit cards are limited as compared to Overstock MasterCard credit cards. 

Overstock MasterCard Credit Card

The Overstock MasterCard credit card is similar to any other MasterCard credit card. Hence, it could be used everywhere MasterCard is accepted. However, to get this card, you need to have an excellent credit score. The benefits and perks that a MasterCard provides are far more and better than a simple store credit card. Hence, Overstock MasterCard is a worthy deal for regular Overstock shoppers. 

Benefits Of Overstock MasterCard

The Overstock MasterCard credit cardholders receive special discounts and benefits on various things at Overstock.

The major benefits are:

  • The cardholders receive a $20 statement credit after on first purchase.
  • Overstock also offers up to 8% rewards when the card is used to shop from Overstock.
  • The MasterCard credit cardholders at Overstock also receive 2% rewards on groceries and gas stations and a 1% discount on all other purchases.
  • Shopping made via MasterCard credit card is free from shipping charges. 
  • The cardholders also receive free Overstock Club O membership which costs 19.95 otherwise.
  • the APR on MasterCard credit cards is 0%.
  • the cardholders also receive regular coupons and promo codes for additional discounts. 

How To Get Any Of The Overstock Credit Cards?

Whether you receive a credit card from Overstock or not depends on your credit score. Additionally, which credit card you could receive also depends on the credit score. You have to follow the steps to get a store credit card or MasterCard credit card from Overstock-

  • Visit the home page of the Overstock website and scroll to the bottom.
  • You will get a separate link to apply for the Overstock credit card. Select either select Overstock store credit card or Overstock Rewards MasterCard.
  • Fill out the application with the required details and submit the form. 

Notably, shoppers can have both store credit cards and Mastercard reward cards at the same time. But if one has a MasterCard, it covers all the benefits of a store card. So, there is no need for a store card. Additionally, to get a MasterCard you require a better credit score than a store credit card.


The store credit card that Overstock offers to its shoppers could not be used everywhere. However, the Mastercard credit card has co-branded with other retailers in the USA. Hence, it could be used everywhere Mastercard is accepted. Notably, these cards are provided to customers based on their credit scores. 

Frequently Asked Questions

  1. Who issues the store credit card of Overstock?

Answer: Comenity Bank issues store credit card of Overstock. It is a major bank that runs various financial programs to provide store credit cards to various retail companies in the USA. 

  1. Who issues Overstock MasterCard credit cards? 

Answer: The Mastercard credit card by Overstock is issued by a division of First National Bank of Omaha that is First Bankcard. 

  1. What is the annual fee for Overstock store credit card and Overstock MasterCard credit card?

Answer: Overstock does not take any annual fees from its store credit card holders and MasterCard credit cardholders. 

Can I use my Overstock Credit Card anywhere?

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