Transaction fee for cash advances: Either $10 or 5% of the amount of each cash advance, whichever is greater. Transaction fee for balance transfers: Either $10 or 5% of the amount of each balance transfer, whichever is greater. Overstock Mastercard Purchase APR: variable 34.24% Balance Transfer APR: variable 34.24%. No Annual Fee ** **As of, the Overstock Credit Card Purchase APR: variable 34.24%, Min. See the full Overstock Credit Card Rewards Program Terms. is not responsible for products and services offered by other companies. Overstock may withdraw the rewards program or change the terms of the program at any time for any reason. The Overstock Credit Card and Overstock Mastercard Rewards Program is offered by Overstock. For a list of additional Club O benefits, go to /club-o-rewards-program. Overstock credit card members receive automatic enrollment in Club O membership. Reward Points have no cash value and are not redeemable for cash. Reward Points are not earned on, and the term “Net Eligible Purchases” does not include: taxes and/or shipping, returns, refunds, credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, convenience checks, cash advances or any other transaction treated like a cash advance, interest and fees. Neither Overstock nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Overstock does reserve the right to determine which purchases qualify for Reward Points. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Net Eligible Purchases in the different categories. You will only earn 1%, not 2%, for gas purchased at superstores, supermarkets, warehouse clubs 1% on all other net eligible purchases with your Overstock Mastercard. For the Overstock Mastercard, you will earn Reward Points when you use your card outside of : 3% on net eligible purchases at department stores and apparel stores 2% for net eligible purchases at gas stations. For both the Overstock Credit Card and Overstock Mastercard you will earn 5% back in Reward Points when you use your card at. Rewards and Financing Details Rewards: † You will earn Reward Points on all Net Eligible Purchases.
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