Search results for "Overstock credit card" mix two genuinely different products, and it matters which one you're actually looking at. The original Overstock store card, issued by Comenity Bank, closed to new applicants in 2023 — if you already have this account, it remains active under its original terms (31.99% variable APR, no annual fee, deferred-interest financing tiers, and a free Club O membership). If you don't already have it, you cannot open one; Comenity is not accepting new Overstock store-card applications.
What replaced it
The current live product tied to Overstock is the Overstock and Bed Bath & Beyond Mastercard, issued by Citi — a general-purpose card usable anywhere Mastercard is accepted, not a single-retailer store card. This is a meaningfully different product: different issuer, different underwriting, and different terms than the legacy Comenity card.
What existing Comenity cardholders should know
If you're an existing legacy cardholder, the deferred-interest financing (0% for 6, 12, 18, or 24 months on purchases of $199, $499, $1,499, or $1,999 respectively) works the same way as most retail deferred-interest programs: if you don't pay the entire promotional balance before the period ends, interest is charged retroactively to the original purchase date at the 31.99% standard rate. Plan your payoff accordingly.
Our methodology
Every figure above — for both the legacy Comenity card and the note on its Citi successor — is attributed to each issuer's published disclosures, verified June 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Confirm current product availability and terms directly with the issuer before applying. See our full review methodology for how we score cards.