Where to find the Big Lots credit card login
The Big Lots credit card is issued by Comenity Capital Bank, not by Big Lots itself. This means your login portal is not on the Big Lots website — it is on Comenity's site. Go to www.comenity.com/accounts/biglots to reach the login page for your account.
When you arrive at that page, you will see two fields: one for your username or email address, and one for your password. Enter the credentials you created when you first opened the card. If you have never logged in before, you will need to set up your online account first — the login page has a link to do that.
The Comenity portal is where you check your balance, make payments, view your statement, and manage your account settings. Big Lots stores do not have access to your credit card account, so customer service at a store location cannot help you reset a password or change your login information.
Key Takeaways
- The Big Lots credit card login is at www.comenity.com/accounts/biglots, not on the Big Lots website itself.
- You will need the username or email address and password you created when you opened your account.
- If you have never logged in online, you must create an account first using the link on the login page.
- Big Lots store employees cannot reset your password or access your account — all account management happens through Comenity.
Setting up your account for the first time
When you receive your Big Lots credit card in the mail, the card itself does not come with a temporary password or login code. Instead, you go to the Comenity login page and select the option to create a new online account. You will need your card number, the expiration date, and your Social Security number or tax ID to verify your identity.
During setup, you choose a username (usually your email address) and create a password. Comenity will ask you security questions — these are used if you ever need to reset your password without your email. Write down your security question answers somewhere safe, because you cannot change them later without calling customer service.
After you complete setup, you can log in when ready. Your first login is a good time to check that your contact information is correct and set up payment methods if you plan to pay online.
What to do if you forget your password
On the Comenity login page, click the "Forgot Password?" link. You will be asked to enter your username or email address. Comenity will then send a password reset link to the email address on file — check your spam folder if you do not see it within a few minutes.
Click the link in that email and you will be taken to a page where you can create a new password. The link expires after a set time, so do not wait days to use it. If the link has expired, go back to the login page and request a new one.
If you do not have access to the email address on your account, you can answer your security questions instead. Select that option on the password reset page, answer the questions correctly, and you will be able to create a new password without needing your email.
Paying your bill through the Comenity portal
Once you are logged in, you can make a payment by clicking the "Make a Payment" button or link — the exact wording varies depending on which device you are using. You will see your current balance and the minimum payment due, along with the due date.
You can pay from a bank account (checking or savings) or with a debit card. Comenity will ask you to enter the routing number and account number if you are paying from a bank account. Payments from a bank account usually post within one to two business days. Debit card payments post the same day.
You can also set up automatic payments so your bill is paid on the same date each month. This prevents late payments if you forget to log in manually. You choose whether to pay the full balance, the minimum payment, or a specific amount each month.
Viewing your statement and transaction history
Your account dashboard shows your current balance as soon as you log in. To see a full statement, look for a link labeled "Statements" or "View Statement" — this is usually in the main menu or under an account summary section.
Comenity stores statements for a set period, usually 24 months or longer. You can read statements as PDF files and print them if you need a paper copy. Each statement shows every transaction from that billing period, the interest charged, and any fees.
You can also see individual transactions by clicking on "Transaction History" or "Recent Activity." This shows purchases, payments, and credits in real time, even before your statement closes for the month.
Updating your account information
To change your address, phone number, or email address, look for an "Account Settings" or "Profile" section in the portal. Most changes take effect when ready, though address changes may take a few business days to update everywhere in the system.
If you want to change your password, you can do that in Account Settings without having to reset it. You will need to enter your current password first. If you want to change your security questions, you will usually need to call Comenity customer service — most portals do not allow you to change these online.
You can also manage notification preferences in Account Settings. You can choose to receive alerts by email or text when your statement is ready, when a payment is due, or when your balance reaches a certain amount.
When you cannot log in
If you see an error message saying your username or password is incorrect, first make sure you are on the correct website: www.comenity.com/accounts/biglots. A common mistake is trying to log in on the main Big Lots website or on a different Comenity card portal.
If you are on the right page and your login still does not work, try resetting your password using the "Forgot Password?" link. If that does not help, or if you see a message saying your account is locked, you will need to call Comenity customer service. The phone number is on the back of your credit card or on your statement.
When you call, have your card number and Social Security number ready. Customer service can unlock your account, verify your identity, and help you regain access. Wait times are usually shorter early in the morning or on weekday afternoons.
Frequently Asked Questions
Is the Big Lots credit card login the same as my Big Lots rewards account?
No. Your Big Lots rewards account (if you have one) is separate from your credit card account. The credit card account is managed by Comenity, while the rewards program is managed by Big Lots. You log into each one separately using different usernames and passwords.
Can I pay my Big Lots credit card bill at a Big Lots store?
No. Big Lots stores do not accept credit card payments in person. You must pay online through the Comenity portal, by phone, or by mailing a check to the address on your statement. Paying online is the fastest and most reliable method.
What should I do if I see a transaction I do not recognize?
Log into your Comenity account and look at the transaction details. If you still believe it is fraudulent, call the customer service number on the back of your card or on your statement. Do not dispute the charge through your bank — contact Comenity directly, as they handle fraud claims for this card.
Can I change my credit limit through the online portal?
Most online portals do not allow you to request a credit limit increase yourself. You can call Comenity customer service to ask for an increase, or you can wait for Comenity to offer you one automatically. Comenity reviews accounts periodically and may increase your limit without you asking.
How do I close my Big Lots credit card account?
You cannot close the account through the online portal. Call Comenity customer service at the number on your statement or card. Pay off any remaining balance first, then ask to close the account. The representative will confirm the closure and tell you what happens to your account after it closes.