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Bread Pay or Loans Customers: Visit your Member Portal under "My Account", email [email protected] or call 1-844-992-7323;<link rel="stylesheet" href="styles.ab1c70285a073d05.css">As of February 2024, terms for new Accounts: Variable purchase APR of 32.24%. Minimum interest charge is $3 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Credit card offers are subject to credit approval. Big Lots Credit Card Accounts are issued by Comenity Capital Bank.As of February 2024, terms for new Accounts: Variable purchase APR of 32.24%. Minimum interest charge is $3 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Credit card offers are subject to credit approval. Big Lots Credit Card Accounts are issued by Comenity Capital Bank.Open a new Big Lots Credit Card to receive $25 off your first in-store purchase when you use your Big Lots Credit Card. 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