Last Updated on March 12, 2026 by Amrita Das
If you’re a regular Ollie’s Bargain Outlet shopper, you’ve probably heard about the Ollie’s Credit Card by now. Launched in July 2024 in partnership with fintech company Sunbit, it’s Ollie’s first-ever co-branded Visa credit card—and it’s designed to help loyal customers squeeze even more value out of every shopping trip.
But is it actually worth it? What are the fees, the rewards, and the catch? This guide breaks down everything you need to know about the Ollie’s Credit Card, from how to apply to how points work, so you can decide whether it deserves a spot in your wallet.
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What Is the Ollie’s Credit Card?
The Ollie’s Credit Card is a co-branded Visa credit card issued by Transportation Alliance Bank, Inc. (TAB Bank) and powered by fintech platform Sunbit.
It’s designed to complement Ollie’s existing loyalty program—Ollie’s Army—by letting cardholders earn rewards both in-store and wherever Visa is accepted worldwide.
Unlike many store-branded cards that lock you into spending at a single retailer, the Ollie’s Credit Card functions as a full Visa card. That means you can use it at grocery stores, gas stations, restaurants, and anywhere else that accepts Visa—all while racking up Ollie’s Army points in the process.
For longtime Ollie’s shoppers, it’s essentially a turbo-charged version of the loyalty program they already love.
Key Features and Benefits
$10 Statement Credit on Your First Purchase
New cardholders receive a $10 statement credit after making a qualifying purchase of $10 or more at any Ollie’s store within 90 days of opening an account. It’s a simple, straightforward welcome bonus that takes effect with your very first in-store transaction.
Note that the statement credit can take up to one full billing cycle to appear after a qualifying purchase posts to your account. If it doesn’t show up, contact Sunbit’s customer support at 855-306-0116 or support@sunbit.com.
Earn Ollie’s Army Points on Every Purchase
Here’s where the card really shines for frequent Ollie’s shoppers. Cardholders earn 1 Ollie’s Army Loyalty Program Rewards Point for every $2 spent using the card—both in-store at Ollie’s and on everyday purchases everywhere Visa is accepted.
Ollie’s Army members who use the card at Ollie’s get an accelerated earning rate, earning 50% more points on purchases made at the store versus standard loyalty card purchases. Points earned toward your reward certificate never expire, so there’s no pressure to spend quickly.
Ollie’s Army Rewards
If you’re not already a member of Ollie’s Army, the credit card automatically enrolls you. Here’s how the rewards program works:
- Earn 1 point for every $1 spent at Ollie’s as a standard Ollie’s Army member.
- Accumulate 250 points to earn a 10% reward certificate—that’s 10% off your entire purchase.
- Move up the ranks for even bigger perks:
- 2 Star General (250 rank points earned in a calendar year): Receive a 20% off one item O-ward, plus surprise offers throughout the year.
- 3 Star General (500 rank points earned in a calendar year): Receive a 30% off one item O-ward, plus deal sneak peeks and other exclusive offers.
Reward points (used for the 10% certificate) never expire. Rank points, on the other hand, reset to zero every January 1st—so the more you shop in a given year, the more rank-based perks you unlock.
No Fees—At All
This is one of the most compelling aspects of the Ollie’s Credit Card. There are no fees of any kind, including:
- No annual fee
- No late fees
- No penalty fees
That’s a notable departure from most credit cards, which typically charge late payment fees of up to $40. For shoppers who occasionally forget a due date, this is a meaningful safeguard.
Use It Anywhere Visa Is Accepted
The card isn’t limited to Ollie’s stores. Because it runs on the Visa network, you can use it at millions of locations in the US and globally—gas stations, grocery stores, online retailers, subscription services, and more.
Every purchase still earns Ollie’s Army points, which means your daily spending actively contributes to rewards you can redeem at Ollie’s.
Instant Digital Card Upon Approval
Once approved, you’ll receive a digital version of your card immediately. You can add it to Apple Pay or Google Pay right away through the Sunbit app—no need to wait for a physical card to arrive. Your physical card ships within 7 to 12 business days.
No Credit Score Impact to Check for Approval
Applying for the Ollie’s Credit Card only requires a soft credit pull to determine preliminary approval—meaning it won’t affect your credit score during the application process.
If you’re approved and open an account, that account opening and your subsequent payment history will be reported to a major credit bureau.
Rates and Fees
The Ollie’s Credit Card carries a variable APR ranging from 15.74% to 35.99% (rates as of 12/28/2025), depending on your creditworthiness and state of residence. The rate fluctuates with the Prime Rate if you’re carrying a balance.
Some states have specific APR caps:
- Colorado:99% (if your credit limit exceeds $1,000); otherwise 35.99%
- District of Columbia:99%
- Maryland:99% (if your credit limit exceeds $1,000); otherwise 32.99%
- Massachusetts:99%
- West Virginia:99%
If you pay your balance in full by the due date each month, you won’t be charged any interest. Given the card’s no-fee structure, paying in full makes it genuinely cost-free to hold and use.
The card is available to residents of all 50 US states and the District of Columbia.
How to Apply for the Ollie’s Credit Card
There are two ways to apply:
- Online: Visit the Ollie’s Credit Card page at ollies.com or apply directly through Sunbit’s platform. You’ll get a preliminary approval decision instantly after submitting your application. Note that phone applications aren’t accepted—online is the only way to apply remotely.
- In-store: Visit your nearest Ollie’s location and ask a store associate for help applying. Associates can walk you through the process and answer questions on the spot.
The application is quick and straightforward. Once approved, your digital card is issued immediately, and the physical card follows in the mail within 7 to 12 business days.
Managing Your Ollie’s Credit Card Account
Account management is handled through the Sunbit app, which is available on select mobile devices. From the app, you can:
- View your balance and transaction history
- Make payments
- Link your card with Apple Pay or Google Pay
- Monitor your Ollie’s Army points balance
Statements are delivered electronically to the email address on file. If you prefer paper statements, contact Sunbit customer support to request them.
For any account-related questions, Sunbit’s support team is reachable at:
- Phone: 855-306-0116
- Email: support@sunbit.com
Your Ollie’s Army points balance and reward certificates can also be tracked through the Ollie’s app or by logging into your account at ollies.us.
Is the Ollie’s Credit Card Worth It?
For dedicated Ollie’s shoppers who carry little to no month-to-month balance, the card presents a straightforward value proposition. You get a fee-free Visa card, a $10 welcome credit, and a way to build Ollie’s Army rewards through every purchase you make—not just the ones you make at Ollie’s.
The trade-off is a high potential APR. If you tend to carry a revolving balance, the interest charges will outweigh the rewards fairly quickly. The card rewards discipline: use it for everyday purchases, pay it off monthly, and let the loyalty points accumulate at their own pace.
