Review: Overstock.com Credit Card

The Overstock.com MasterCard offers you the ability to get a nice rebate on Overstock.com purchases as well as credit for purchases you make everywhere else MasterCard is accepted. Our overview / review of the card is below:

The Overstock credit card is a MasterCard — a point in its favor. Here at Credit Card Catalog we prefer credit cards that are accepted widely versus cards that can only be used at one retail chain. The Overstock.com card is accepted everywhere MasterCard is accepted.


The Overstock credit card offers a good rewards program:

  • You’ll earn Club O Rewards equal to 8% of your purchases at Overstock.com.
  • You’ll earn Club O Rewards equal to 2% of gas and grocery purchases you make with the card.
  • You get 1% back in Club O Rewards on all other purchases you make with the card.
  • You also get $20 in Club O Rewards after you use the card for the first time.

This card can be a good deal for those who buy at Overstock on a regular basis, provided that you don’t carry a balance on your card. The interest rate on this card ranges from 17.24% to 26.24%, so you need to be careful, especially if you are approved at the high end of that range.

The Overstock.com MasterCard is issued by First Bankcard, a division of First National Bank of Omaha. You can apply online via this online application.