Comenity Big Lots Credit Card Login, Payment, Activation, Apply, Customer Service

Big Lots Credit Card login and Comenity Bank account access, processes? How to make an online payment and use the Comenity Easy Pay Big Lots facility? How can I submit an application for a new credit card? What are the special features and benefits cardholders will get? How to register an online account and activate your new card? Please read this article to find all the latest updates related to the Big Lots credit card.

Big Lots Credit Card?

Big Lots Credit Card is offered by Big Lots in partnership with Comenity Capital Bank. Comenity is the issuer of the credit card and also manages the online accounts and associated terms & conditions. Customers get a special financing facility if they purchase through their credit card in-store or online at Big Lots.

Salient features:

  • All new cardholders will get a one-time special Welcome coupon.
  • Exclusive facilities are available for special members.
  • There is no annual fee for this credit card.
  • Enroll in the Big Rewards program and save on every purchase (read FAQ for more details).

Special financing:

Don’t worry about the low cash amount. Now you get special financing options for in-store or online purchases. Customers can opt for the no-interest special financing of 6 or 12 months duration as per the below-mentioned criteria.

PlanMinimum spendInterest
6 Months$250No interest if all amount is paid in full
12 Months$750No interest if all amount is paid in full

Fee & charges:

Fee typeAmount
APR for Purchases29.99% Variable
Penalty APRNone
APR for a balance transferN/A
APR for Cash AdvancesN/A
Minimum Interest Charge$2
Annual FeeNone
Balance transfer feeN/A
Cash Advance feeN/A
Foreign Transaction FeeN/A
Late Payment penaltyUp to $41
Returned Payment PenaltyUp to $41


  • No Credit Card network is associated so no Visa or Mastercard benefits. It means you can not use it outside Big Lots.
  • No extra reward points facility. You will get similar reward points as a non-credit card member gets by enrolling in the Big Rewards Loyalty program.

Big Lots Credit Card login

Check your account information by logging in to your credit card account. All Big Lots credit cards are managed by Comenity Capital Bank so you will have to log in to your Comenity account.

Login prerequisites:

  • First of all, arrange your Username and Password by registering yourself on the official website.
  • Get the login URL of the Comenity account.
  • Use a trusted and secure device to access your account. login steps:

Step 1: Visit the official Big Lots Comenity web portal at

Step 2: On this page, the login form is not visible due to some security issues. Click the Sign In link located just below the menu. The login form will appear on the screen (as shown below).

Big Lots credit card login page

Customers can also visit the Big Lots credit card login page directly at

Step 3: Enter your username and password in the Login form and press the Sign In button to access your account dashboard page. You can now access all services available in your account.

Sign In – Big Lots Credit Card – Help – Bread Financial

This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. Big Lots Accounts are issued by Comenity Capital Bank

Comenity Big Lots account username and password recovery

A username and password recovery facility is available through the login form. Just click the Forgot Username / Password link and you will be redirected to an account verification page (as shown below).

Big Lots credit card username and password recovery form

Enter your credit card account detail such as account number, ZIP code, and last four digits of your Social Security Number, and click the Find My Account button. After the verification, you will receive further instructions on how to recover your Username and Password.

Big Lots credit card registration process.

The registration process is very easy and requires a few simple steps to complete. Just visit the Big Lots Comenity account page and click the Register Now button which is located at the top right corner. A registration form will appear on the screen (as shown below).

Big Lots Comenity account registration form

You will have to enter your Account details. Click the Find My Account button after entering all details. Your account will be verified by Comenity. After the verification, you can fill out a new account registration and Submit it. After completing all steps, you will have your username and password and you can log in to your new Big Lots Comenity account.

Big Lots Credit Card Payment

Different payment options have been introduced by Comenity Capital Bank to help customers and provide them an opportunity to select an easy payment method as per their preference. Please check the details about all payment options below.

i- Online payment: Customers can visit the online Big Lots Comenity account page to pay their credit card bills. Just log in to your account by using your username and password and pay your card bill online. A checking account will be used to debit the required payment amount.

ii- Phone payment: A phone payment facility is also available to all Big Lots customers. Just call the customer service phone number at 1-888-566-4353 (TDD/TTY: 1-888-819-1918) and use the instructions available through the automatic dialer machine. The account number and routing number of a checking bank are required for making a payment.

Customers can also speak to a live agent during phone payments and pay their credit card bills. This expedited phone payment is a paid facility by Comenity and a $15 charge will be applied to every transaction.

iii- Payment through Mail: All customers can send a Mail to the Comenity Capital bank payment address by including checks, money orders, or cashier’s checks in U.S. dollars. The payment address is mentioned on the billing statement. Please read other instructions written on the statement related to sending a payment through Mail.

iv- Comenity Big Lots EasyPay:

EasyPay facility is available to all customers through their Comenity account. Just like its name EasyPay is really easy to use and there is even no need to log in for making a payment.

Just visit the Big Lots Comenity account page and click the EasyPay link in the top menu to open the EasyPay online form. Customers can also open the Easy Pay page directly at An online payment page will appear on the screen (as shown below).

Big Lots comenity easy pay online form

Enter your card account number, zip code, and last four digits of your SSN, and press the Find My Account button. The system will search the account and show you further instructions to pay your bill. Once you are sure that you are paying for the desired account, make an online payment with the help of the on-screen instructions.

Payments – Big Lots Credit Card – Help – Bread Financial

Most payments can be edited up until 5:00 p.m. Eastern Time (ET) and deleted up until 11:59 p.m. ET on the day of your scheduled payment date. To make a Big Lots card payment, You’ll need to choose an amount to pay and a payment date, in addition to providing your bank account number and routing number to set up online payments.

How to Apply?

Customers can use the very easy Big Lots credit card online application facility to apply for a new credit card. It will take only a few steps. Please check below.

  • Visit the Comenity Big Lots page.
  • Click the Apply link located in the top menu.
  • An online application form will appear on the screen. Start filling out the pre-filled online application form by entering your Mobile number, SSN, and ZIP code, or click the Apply Without Pre-Fill link to start a fresh application.
  • Submit your application to Comenity for the approval process.
  • After the verification and approval, your new credit card will be Mailed to you and you will receive it within 10 days.

Big Lots credit card activation process

If a customer wants to use the new credit card to make any purchase on Big Lots then the card must be activated. We are sharing the activation process below. Please have a look.

Visit the official website and click the Activate Card link in the top menu. Customers will find an account activation page (as shown below).

Big Lots credit card online activation form

Customers can also visit the activation page directly at

In the card activation form, enter primary cardholder details such as account number, expiry date, last 4 digits of social security number, and zip code, and press the Continue button to activate your new credit card.

Big Lots Credit Card – Account Security – Comenity

Create a unique username and password for every website you use. Access your account using one of our supported browsers: Google Chrome, Microsoft Edge, or Safari. Always keep your device updated with the latest security and software updates.

Big Lots Credit Card – Account Application

Enter your Personal Information, Contact Information, and Add Authorized Buyer. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse’s financial information.

Big Lots Credit Card – Benefits – Comenity

Special Financing options:

No interest if paid in full within 6 or 12 months. On purchases of $250 or more for 6 months or $750 or more for 12 months made with your Big Lots Credit Card. Interest will be charged to your account from the purchase date if the promotional plan balance is not paid in full within the promotional period.

Big Lots Credit Card – Alert – Comenity – Bread Financial

When possible, we encourage you to manage your Big Lots Credit Card account online using Account Center. This is the fastest way to access the account information you need.

With 24/7 access to Account Center, you have a safe, secure, and convenient way to:

  • View your balance, transactions, and statements
  • Make payments

Cash Advance – Big Lots Credit Card – Comenity

A cash advance enables you to use your Big Lots Credit Card account to borrow and access your cash credit line at a bank or ATM. However, it must be paid back – with interest, plus applicable cash advance fees and ATM fees

Big Lots Credit Card Customer Service

If you need further assistance, please call the Big Lots Credit Card Customer Care Center at 888-566-4353 (TDD/TTY: 888-819-1918). You can also find this number printed on the back of your card.

Mail address:

Customers can write their questions at the below address. Please include your account information in the Mail.

Comenity Capital Bank,
PO Box 183003,
Columbus, OH 43218-3003

Official website

Big Lots Comenity account

Credit card activation page

Account registration page

Online application page

Big Lots credit card Sign-in

Big Lots credit card agreement (CCA)

EasyPay payment page

Secure Message Center

Transaction details

Online statement page

Online payment page


How do enroll in paperless communication?

All customers can enroll in the paperless communication facility to receive important account-related communication through email.

You will receive an email notification every time whenever your monthly statement is available online.

Please add below Comenity email addresses in your contact list to avoid emails going into the junk or spam folder.
[email protected]
[email protected]

What is a Big Rewards Program?

Big Rewards is a loyalty program offered by Big Lots. All Big Rewards members will earn rewards on all purchases online and in-store at Big Lots.

All members will get a membership card that they can show at the checkout in stores. Customers can use their digital membership card to shop online.

Salient features:

->Enjoy special facilities and saving benefits throughout the year such as 20% off coupons, free item weekends, Big Bucks coupons, 10% off for Military/Vets, and many other exclusive offers.
->Get a special birthday surprise in the first week of your birthday month.
->Get an extra $10 on every $200 spent on Furniture in one week in single or multiple purchases. A maximum $50 bonus will be given per week.
->Get $5 off on a $15 purchase or $15 off on a $75 purchase after three qualifying purchases.
New members will get a one-time $15 off joining bonus.

How to join the Big Rewards Program?

You will have to Sign Up on the official website to join the Big Rewards loyalty program. Please check the below steps.

i- Visit the official website.
ii- Click the User Icon on the top right side. A new menu will open on the left sidebar.
iii- Click the Create Account link to open a new account registration form.
iv- Enter your name, ZIP code, email address, and password, and click the Create Account button.
v- Verify your email address. Your new account has been created.

Please check the below documents before Sign Up.

i- User Agreement 
ii- Privacy Policy
iii- Membership Agreement.

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