Comenity Bank
Overstock Store Credit Card (legacy, closed to new applicants) Review 2026
Closed to new applicants since 2023 — existing cardholders retain their account under original terms.
Who Overstock Store Credit Card (legacy, closed to new applicants) is best for
Existing Overstock Comenity cardholders checking their current terms; new shoppers should look at the Citi-issued Overstock/BBB Mastercard instead.
At a glance
- Annual fee
- $0
- Purchase APR
- 31.99% variable
- Deferred-interest financing
- 0% for 6/12/18/24 mo
- Application status
- Closed since 2023
Existing accounts, per Comenity disclosure
Tied to Prime Rate, verified Jun 2026, existing accounts
On purchases of $199/$499/$1,499/$1,999+
No new applicants accepted
Pros
- +No annual fee for existing cardholders
- +Deferred-interest financing tiers on qualifying larger purchases
- +Free Club O membership included
- +Reports to credit bureaus like any standard revolving account
Cons
- −Closed to new applicants entirely — not obtainable today
- −31.99% variable APR is steep outside a financing promo
- −No rewards/cash-back program
- −Store-only, unlike the newer Citi general-purpose replacement
Overstock Store Credit Card (legacy, closed to new applicants) requirements
- Existing Comenity Overstock accounts only
- New applications not accepted
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See all picks in Overstock Credit Card: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Overstock Store Credit Card (legacy, closed to new applicants) scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Existing Overstock Comenity cardholders checking their current terms; new shoppers should look at the Citi-issued Overstock/BBB Mastercard instead.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Overstock Store Credit Card (legacy, closed to new applicants)
Why did the Overstock store card close to new applicants?+
Comenity Bank stopped accepting new Overstock store-card applications in 2023; the public record doesn't specify the exact business reason, but retailer-Comenity partnerships periodically wind down or get replaced with a different issuer relationship — which is what happened here, with Citi's Overstock/Bed Bath & Beyond Mastercard emerging as the successor product.
Will my existing Overstock card ever be converted to the new Citi card?+
Comenity and Citi are separate issuers; there's no public indication that legacy Comenity Overstock accounts automatically convert to the Citi Mastercard. Contact Comenity directly through your account for the current status of your specific card.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the legacy Overstock store credit card. The legacy card was issued by Comenity Bank. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms directly with the issuer before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.