Where to sign in to your Big Lots credit card account
The Big Lots credit card is issued by Comenity Capital Bank, not by Big Lots itself. This means your online account lives on Comenity's portal, not on the Big Lots website. You reach it by going to comenity.com, selecting "Login" at the top of the page, and choosing "Big Lots Credit Card" from the list of card issuers.
Once you select Big Lots, you'll enter your username and password on Comenity's login page. If you don't have an online account yet, you can create one on the same portal by selecting "Enroll Now" and providing your card number, Social Security number, and date of birth. Comenity will verify your identity and send you a temporary password by email.
The direct web address for Big Lots cardholders is www.comenity.com/accounts/biglotscc, though going through the main Comenity site works just as well. Bookmark whichever you prefer so you don't accidentally land on a phishing site.
Key Takeaways
- Your Big Lots credit card account is managed by Comenity Capital Bank, so you sign in at comenity.com, not at biglotscard.com or the Big Lots store website.
- You need your username and password to log in; if you don't have an account yet, you can create one using your card number and Social Security number.
- Once logged in, you can view your balance, make payments, set up autopay, and read statements.
- If you forget your password, use the "Forgot Username or Password?" link on the login page to reset it by email.
What you can do once you're signed in
After you log in, your account dashboard shows your current balance, available credit, and recent transactions. You can review charges from any date range and read PDF statements for your records. The account also displays your credit limit, interest rate, and the minimum payment due.
From your account, you can make a one-time payment to your balance using a bank account or debit card. You can also set up automatic payments to occur on a date you choose each month—this is useful if you want to pay the full balance automatically and avoid interest charges. Comenity lets you choose whether to pay the full balance, the minimum payment, or a custom amount.
You can also update your contact information, change your password, and set up account alerts (for example, a notification when your balance reaches a certain amount). Some cardholders use alerts to track spending or to catch fraudulent charges early.
If you can't remember your login information
On the Comenity login page, select "Forgot Username or Password?" and enter your card number. Comenity will send a password reset link to the email address on file. Click the link, create a new password, and you'll be able to sign in when ready.
If you don't remember your username, the reset process will show it to you. If the email address on file is outdated or you no longer have access to it, you'll need to call Comenity customer service at the number on the back of your Big Lots card. They can verify your identity and update your email before sending a reset link.
Troubleshooting common sign-in problems
If you see an error message saying your username or password is incorrect, first check that Caps Lock is off and that you're typing your password exactly as you created it (passwords are case-sensitive). If you're still locked out after three failed attempts, Comenity will temporarily freeze your account for security. Wait 15 minutes and try again, or use the password reset link instead.
If the Comenity website itself is down or very slow, check Comenity's status page or try again in a few minutes. Scheduled maintenance usually happens overnight or early morning. If you need to make an urgent payment and can't reach the website, you can pay by phone by calling the number on your card.
If you see a message that your account doesn't exist, verify that you're using the correct card number and that you've actually created an online account. Some cardholders assume an account was created automatically when they received their card, but you must enroll yourself on Comenity's site first.
Keeping your account find
Never share your username, password, or card number with anyone, including Comenity employees. Comenity will never ask for your password by email or phone. If you receive an email claiming to be from Comenity and asking you to "verify" your account, do not click any links—go directly to comenity.com instead.
Use a strong password that includes uppercase letters, lowercase letters, numbers, and symbols. Avoid using your birth date, card number, or other personal information that someone could guess. Change your password every few months, especially if you use the same password on other websites.
If you think someone has accessed your account without permission, change your password when ready and call Comenity at the number on your card. Report any fraudulent charges as soon as you spot them; federal law limits your liability for unauthorized charges, but only if you report them promptly.
Frequently Asked Questions
Can I sign in to my Big Lots credit card account on the Big Lots website?
No. Big Lots does not host the credit card login. Your account is with Comenity Capital Bank, so you must sign in at comenity.com. The Big Lots website may have a link to Comenity, but the actual login happens on Comenity's portal.
What if I don't have an online account yet?
Go to comenity.com, select "Enroll Now," and enter your Big Lots card number, Social Security number, and date of birth. Comenity will verify your identity and email you a temporary password. You'll then create your own username and permanent password.
Can I pay my Big Lots credit card bill without signing in online?
Yes. You can pay by phone by calling the number on the back of your card, by mail by sending a check to the address on your statement, or by setting up autopay through your bank's bill pay feature. Online sign-in is convenient but not required.
What should I do if I think my account has been hacked?
Change your password when ready using the "Forgot Password" link, then call Comenity at the number on your card to report the suspected fraud. Review your recent transactions and report any charges you didn't make. Comenity can freeze your account and issue a new card if needed.
Is it safe to sign in on my phone or a public computer?
Signing in on your personal phone is safe. Avoid signing in on public computers (like library or coffee shop computers) because they may have malware that captures passwords. If you must use a public computer, change your password again as soon as you get home.