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10 cards ranked

Best credit card to use at Big Lots.

Department Store

Big Lots is a closeout and discount retailer with roughly 1,300 stores across the U.S., selling furniture, seasonal goods, food and consumables, and an ever-rotating mix of closeout merchandise. The chain went through bankruptcy and a restructuring under Variety Wholesalers in 2025. Big Lots typically codes as a department store or discount retailer for credit card networks. The Big Lots Credit Card (issued by Comenity Capital Bank) offers store-only financing and points on Big Lots purchases, though a general 2-5% department-store card from a major issuer is often more useful.

  1. #1
    US Bank Cash+ Visa Signatureif you select it
    U.S. Bank
    5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  3. #3
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  4. #4
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  5. #5
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  6. #6
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  7. #7
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  8. #8
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  9. #9
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  10. #10
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated May 17, 2026

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