Overstock™ Mastercard®
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 31.74% variable based on the Prime Rate
At a glance
The Overstock™ Mastercard® earns you big rewards at Overstock.com – without the annual fee. The card from Citi Retail Services provides up to 5% back in rewards, special financing on select purchases, and a complimentary Club O Rewards membership.
Our review of the Overstock™ Mastercard®
Are you considering applying for the Overstock™ Mastercard®? As a credit card expert, I’m here to provide you with an in-depth review of this card to help you make an informed decision.
The Overstock™ Mastercard® is a popular credit card that offers various benefits to its cardholders. From cashback rewards to special financing options, this card has a lot to offer. In this review, we will delve into the details of the Overstock™ Mastercard® and discuss its features, benefits, fees, and more.
If you’re looking for a credit card that can help you save money and earn rewards while shopping at Overstock.com, the Overstock™ Mastercard® may be the right choice for you. Keep reading to learn more about this card and whether it’s the right fit for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 5% back in Club O rewards on overstock purchases
- Earn % back in Club O rewards on apparel & department store purchases
- Earn 2% back in Club O rewards on gas and 1% back on all other purchases
- Complimentary Club O membership (a $19.95/year value)
- Special Financing on eligible Overstock.com purchases
Who this card may suit
- You frequently shop at Overstock.com or at apparel stores
- You want special financing on a big project
- You prefer a store-branded credit card vs. a cash back credit card
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 31.74% variable based on the Prime Rate |
| Balance Transfer APR | 31.74% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Penalty APR | Up to 29.99% variable based on your creditworthiness and the Prime Rate |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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Overstock™ Mastercard®
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