Does Big Lots Sell Visa Gift Cards
Does Big Lots Sell Visa Gift Cards - You may be using an unsupported or outdated browser. For the best possible experience, please use the latest version of Chrome, Firefox, Safari or Microsoft Edge to view this website. Big Lots is known for good deals. And if you're a frequent shopper, you might be tempted to apply for the Big Lots credit card*.
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Does Big Lots Sell Visa Gift Cards
This closed card can only be used for purchases in Big Lots stores and online at biglots.com, so if Big Lots isn't your preferred retailer, a general cashback card may be a better option. However, the Big Lots card may make sense for some people.
For example, if you plan to make a large purchase at a Big Lots store, the card offers special financing options for new purchases. Depending on the total purchase, the payment plan period can be up to 12 months and the deferred interest for a year can be really useful.
But beyond that, the Big Lots card doesn't offer a ton of benefits and doesn't earn rewards either. Here's what you need to know about this card, plus some more flexible alternatives to consider if you're interested in an introductory APR card. If you plan to make purchases over $250 at your nearest Big Lots store, this card offers six months of deferred interest financing.
Introductory Apr Offer
For purchases totaling $750 or more, you can take advantage of 12 months of deferred interest financing. After that, the card's regular 29.99% variable APR applies to purchases. This special financing offer is only available on new purchases made in Big Lots stores or online, and you must make the minimum payments during the deferred interest period.
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Note that the regular APR for this card is relatively high. According to the Federal Reserve, the average APR for credit cards was 19.07% in November 2022. You don't have to worry about an additional annual fee with this card, as it has a $0 annual fee.
As a Big Lots credit cardholder, you may qualify for special offers. New cardholders receive a welcome voucher, although Big Lots does not provide any details about this offer. It also does not state what special offers are available to cardholders beyond the welcome coupon.
The Big Lots credit card really only makes sense if you shop regularly at Big Lots, and even then it might not be the best choice. Its special financing plans can be useful if you want to pay off a large purchase over several months, but you need to make sure your balance is paid before the end of the payment period.
Annual Fee
After that, the variable 29.99% APR on purchases kicks in. The card's $0 annual fee is also a plus. Despite these benefits, a more general cash back credit card may be a better option. Some cards offer 0% introductory APR for a certain period, and many have rewards programs in addition to the benefit of deferred interest.
Before applying for the Big Lots card, you should consider researching alternatives that might make more sense for your wallet. If you're looking for a hassle-free card with a long introductory APR, the US Bank Visa® Platinum card can be a good alternative to the Big Lots card.
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This card doesn't have a rewards program, so you don't earn money on your purchases, but you do get a 0% introductory APR on purchases and balance transfers for 18 billing cycles, followed by a variable APR of 19.24% - 29.24%. A balance transfer fee of 3% or $5, whichever is greater, applies.
Like the Big Lots card, the US Bank Visa Platinum has no annual fee. Cardholders can also view their credit score for free through their online dashboard. With its impressive rewards program and long 0% introductory APR offer, the Chase Freedom Unlimited® No Annual Fee is definitely one of the best cash back cards on the market.
Annual Fee
New cardholders receive an initial APR of 0% for 15 months from account opening on purchases and balance transfers, after which a variable APR of 19.74% - 28.49% applies. For the first 60 days after account opening, an initial transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies.
After that, a fee of $5 or 5% of the amount is charged for each transfer. In addition, you can get up to 5% cash back when you use your card. Unlike the Big Lots card, which has a non-specific welcome coupon, the Chase Freedom Unlimited has a transparent and generous welcome offer.
New cardmembers can earn a 1.5% cashback bonus on everything purchased in their first year as a cardholder with up to $20,000 in spend - that's worth up to $300 cash back in the first year. In addition to the welcome offer, cardmembers earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back at eligible restaurants and pharmacies, and 1.5% on all other purchases.
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Earn 5% on Chase travel purchased through Chase Ultimate Rewards®, 3% on restaurants and pharmacies, and 1.5% on everything else Read more A great general spending card that lets you keep the balance on new purchases with a low introductory APR, pay no annual fee and still earn at least 1.5% cash back on all purchases like the Chase Freedom Unlimited, Amex EveryDay® Credit Card* earns cash back rewards and has a $0 annual fee.
Exclusive Offers
New cardholders can also earn a welcome bonus of 10,000 Membership Rewards points after spending $2,000 in qualifying purchases within the first 6 months of card membership. As a card member, you can earn 2 Membership Rewards points per dollar in American supermarkets up to $6,000 per
year in purchase (then 1X), 2 points per dollar when you use the card to book travel through American Express Travel, and 1 point for every dollar eligible for anything else. Plus, use the card 20 or more times on purchases in a billing period and earn an additional 20% points on those purchases.
If you're a loyal Big Lots shopper, you might be wondering if the Big Lots card makes sense for your wallet. Unfortunately, this card does not earn rewards and its benefits are limited. A general cashback credit card that offers more benefits may be a better choice.
Before you apply, compare alternatives like US Bank, Visa® Platinum, Chase Freedom Unlimited® and Amex EveryDay® credit cards. Jess is a Boston-based financial writer and editor. When she's not in front of her laptop, she enjoys gardening, traveling with her family, and making vacations more affordable with credit card rewards.
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