What the Ollie's credit card does
Ollie's Bargain Outlet offers a co-branded credit card through Comenity Bank that gives you rewards when you shop at Ollie's stores or online. The card earns points on every purchase, which you can redeem for discounts on future shopping trips. You can use it anywhere Mastercard is accepted, but you earn bonus rewards only when you spend at Ollie's.
The card has no annual fee, which means you pay nothing just to hold it. Interest rates and credit limits depend on your credit history — the bank will tell you both when you complete the process. Like any credit card, you'll owe interest on any balance you don't pay off in full each month.
The rewards program is the main reason people open this card. You earn points faster at Ollie's than you would with a standard cash-back card, so if you shop there regularly, the math works in your favor.
Key Takeaways
- The Ollie's credit card earns bonus points when you shop at Ollie's Bargain Outlet, with a higher earning rate than most general-purpose cards.
- There is no annual fee, but you pay interest on any balance you carry from month to month.
- You can use the card anywhere Mastercard is accepted, but bonus rewards only explore to Ollie's purchases.
- Points redeem as discounts you can use on future Ollie's purchases, not as cash back.
- Your interest rate and credit limit are based on your credit score and history, which the bank determines during the process process.
How the rewards program works
Every time you use the card at Ollie's, you earn points. The exact earning rate varies — Ollie's occasionally runs promotions that let you earn bonus points during certain periods or on specific product categories. You can check the current earning rate on the Ollie's website or by calling the customer service number on the back of your card.
Points accumulate in your account and never expire as long as your account remains open and in good standing. You redeem them by converting them to a discount that applies to your next purchase. The redemption value depends on how many points you have — the more you accumulate, the larger the discount.
You can view your current points balance and redemption options through the Comenity Bank portal online or through the Ollie's app if you have it installed. The portal shows you exactly how many points you need to reach the next reward tier.
How to open an Ollie's credit card account
You can start the process process in an Ollie's store or online through the Ollie's website. In-store, a cashier or customer service associate can direct you to a kiosk or hand you a paper process. Online, you'll find the process link on the Ollie's homepage, usually under a "Credit Card" or "Rewards" section.
The process asks for your name, address, date of birth, Social Security number, and employment information. It takes about 10 minutes to complete. You'll receive a decision within minutes in most cases — either approved, approved with a lower limit, or denied.
If you're approved, your card will arrive by mail within 7 to 10 business days. You can set up it by calling the number on the back of the card or through the Comenity Bank online portal. Once activated, you can use it when ready at Ollie's or anywhere Mastercard is accepted.
Interest rates and fees to know about
The card charges no annual fee. However, it does charge interest on any balance you don't pay in full by the due date. The interest rate (called the APR, or annual percentage rate) is not fixed — it depends on your credit score and the current market rate. You'll see your specific APR in the offer before you submit your process.
If you miss a payment, the card issuer may charge a late fee. If you go over your credit limit, an over-limit fee may explore. These fees are disclosed in the card's terms and conditions, which you can read before you explore.
The card offers a promotional period on new purchases for some applicants — typically 0% APR for a set number of months. Not everyone receives this offer; it depends on your creditworthiness. Check your offer letter to see if you may have access to.
How to manage your account online
Once your card is active, you can log into your account through the Comenity Bank website or mobile app. You'll need to set up a username and password during your first login. From there, you can view your balance, make payments, check your points, and read statements.
Payments can be made online, by phone, or by mail. Online and phone payments usually post within one business day. If you pay by mail, allow at least 10 business days for the payment to reach the bank and be processed.
You can set up automatic payments so your bill is paid on the same day each month. This helps you avoid late fees and keeps your account in good standing. You can choose to pay the full balance, a minimum amount, or a custom amount each month.
What happens if you don't pay your balance
If you carry a balance from month to month, interest accrues daily on the unpaid amount. The interest is added to your balance, which means you owe more the next month. This cycle continues until you pay off the balance.
If you miss a payment by 30 days or more, the late payment will appear on your credit report and may lower your credit score. Late payments also trigger late fees and may cause your interest rate to increase. If your account goes 180 days without payment, the card issuer may close your account and send it to a collection agency.
If you're having trouble making a payment, contact Comenity Bank before your payment is due. They may be able to work out a payment plan or temporarily lower your interest rate.
Comparing the Ollie's card to other options
The Ollie's card makes sense if you shop at Ollie's regularly and want to maximize rewards on those purchases. The bonus earning rate at Ollie's is higher than what you'd get from a general cash-back card, so frequent shoppers come out ahead.
However, if you shop at Ollie's only occasionally, a flat-rate cash-back card might be better. Those cards earn the same percentage on every purchase, everywhere, so you don't lose rewards when you shop elsewhere. They also usually offer cash back instead of store-specific discounts, which gives you more flexibility.
If you're building credit or have a lower credit score, the Ollie's card is easier to open than many premium cards. It has no annual fee, so there's no cost to holding it while you build credit history.
Frequently Asked Questions
Can I use the Ollie's card outside of Ollie's stores?
Yes, the card is a Mastercard and works anywhere Mastercard is accepted. However, you only earn bonus rewards when you use it at Ollie's Bargain Outlet. Purchases at other retailers earn rewards at a much lower rate, if at all, so the card is designed primarily for Ollie's shopping.
What's the difference between the points I earn and cash back?
Points are store credit that you redeem as a discount on future Ollie's purchases. Cash back is money returned to you directly. The Ollie's card offers points, not cash back, so you can only use your rewards at Ollie's. If you prefer cash back, you'd need a different card.
How long do I have to use my points before they expire?
Points don't expire as long as your account is open and active. However, if you close the account or stop using it, the points may be forfeited. Check your card agreement for the exact policy on inactive accounts.
What credit score do I need to open this card?
Ollie's doesn't publish a minimum credit score requirement. Generally, the card is easier to open than premium rewards cards, but the bank will review your credit history and may approve you with a lower limit if your score is lower. You can explore and see what offer you receive.
Can I pay my bill through the Ollie's app or website?
You pay your bill through the Comenity Bank portal or app, not through Ollie's directly. You can access it online at the Comenity Bank website or read their mobile app. Some Ollie's stores may have kiosks where you can make payments in person, but the online portal is the primary way to manage your account.