If you like to shop on Overstock, then you might benefit from becoming an Overstock Store Credit Card holder. This card offers a variety of benefits that you won’t receive from other cards. This is a card that can only be used for purchases made through Overstock, as it is store specific, but there is a variety of features that can make it worth while for occasional or especially frequent Overstock shoppers. There are ten major benefits that you’ll get from having an Overstock credit card:
1. Easy application process
You can apply quickly and easily online for the Overstock credit card. It just takes a few moments and in many cases, you’ll know right away if you’re approved. If you don’t hear back from them right away, it doesn’t mean that you don’t qualify, necessarily. They may need more information from you to process your application for credit.
2. Upon online approval you get a 10% off coupon
If you’re a new cardholder and you’ve completed your application online, you’ll receive a notice that says Application Success Page. This provides you with a coupon that gives you and instant redemption on purchases you make using your new card. You must use the same web browser to make your purchase in order to receive the one time discount.
3. You get interest free finance options
When you’re an Overstock Store credit card holder, you are given easy pay options that are completely free of interest. If your purchases are more than $249, you’re not charged interest if you pay the balance due in full within 6 months. If your purchases total more than $499, you are not charged interest if you pay the amount in full within 12 months. This is an introductory offer on your first purchase.
4. No annual fee
One of the benefits of being an Overstock Store cardholder is that there is no annual card fee associated with this account. Unlike many other store credit cards, you are not charged for the privilege of being a member. When you combine this with the interest free payment plans, it’s a really good deal and it makes more sense than using another credit card for purchases at Overstock which will accrue interest.
5. You can manage your account online
It’s easy to keep track of your balances, make payments and check the status of your account online. You can also access your account from a mobile device.
6. Free additional cardholder
When you add an extra cardholder onto your Overstock Store credit card account there is no additional fee for this service. This is an excellent option for cardholders who want to grant access to their accounts to a spouse/significant other or an adult child.
7. Access to financing for discount shopping
Overstock is a discount online shopping venue that offers some of the best prices on a variety of items. With the Overstock Store Credit Card, you can purchase several items up to the value of the limit on your account and save more, with an option for making convenient payments.
8. Save up to $500 on your first purchase
You have the potential of saving up to $500 if your first purchase equals $5,000. With the first time buyer’s savings granted by having your application for credit approved, you’ll automatically receive ten percent off of the first purchase, then you can choose the appropriate payment plan.
9. Special financing offers
One of the special financing offers that is made by Comenity Bank, is the plan that allows you to defer the interest charges on purchases you make up to $3,000, for a period of up to 7 years.
10. Periodic special promotions
Cardholders also enjoy a selection of benefits that other shoppers on overstock.com do not. Special perks are announced throughout the year for cardholders, exclusive events, early sale access and special birthday offers.
If you enjoy shopping on Overstock.com, you can benefit by saving money and gaining early access to special sale items if you become a card holding member. The card is free and there are no maintenance charges. It’s much like having a line of credit at the store, but in addition to special financing, not offered by most other credit cards, you get a host of other cool benefits.