Big Lots Credit Card Current Credit Card Agreements

On the record for Big Lots Credit Card Current Credit Card Agreements: a 35.99% purchase APR and a $35.88 annual fee, filed by Comenity Capital Bank. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

The disclosed terms

Comenity Capital Bank filed this agreement for Big Lots Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs 23 pages.

The disclosure covers a purchase rate, an annual fee line and a late payment maximum. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

The purchase rate in context

35.99% puts the purchase APR near the 97th percentile across 2,280 agreements, so it is at the extreme upper end of the corpus.

Translating the rate into money

A $3,000 balance left untouched for twelve months accrues about $1,299 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $3,000 would run about $738 a year, so this card costs in the region of $561 more annually for the identical balance.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

$35.88 a year is the disclosed annual fee, which ranks near the 84th percentile of the fees filed across this corpus.

Default pricing

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

The grace period

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

100 separate Comenity Capital Bank filings appear in the corpus. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 35.99% is more expensive than 47 of them.

Its $35.88 annual fee is higher than 53 of the 89 sibling filings that state one.

What you cannot learn from the filing

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

The original filing, 23 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver. Against that sits the $35.88 annual fee, which is unavoidable once the account is open. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.