Ollie's Credit Card: Benefits, Rewards & How to Apply

Last Updated on March 14, 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.

Table of Contents

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.

How the Ollie’s Credit Card Fits into the Ollie’s Army Loyalty Program

Ollie’s Army has nearly 17 million members, making it one of the larger loyalty programs in the discount retail space. The credit card is designed to sit on top of that existing structure—accelerating how quickly members earn points and broadening where they can earn them.

Here’s a practical breakdown of how it all connects:

Action: Points Earned

Standard Ollie’s Army purchase at Ollie’s:1 point per $1 spent

Ollie’s Credit Card purchase at Ollie’s: Accelerated rate (1.5 points-50% more than standard)

Ollie’s Credit Card purchase anywhere else Visa is accepted:1 point per $2 spent

Reach 250 reward points: 10% off reward certificate

Reach 250 rank points in a calendar year: 2 Star General status + 20% off one item

Reach 500 rank points in a calendar year: 3 Star General status + 30% off one item

Reward certificates never expire. Rank points reset annually on January 1st. The more consistently you use the card throughout the year, the better your chances of reaching 3 Star General status and unlocking the highest-tier discounts.

Pros and Cons of the Ollie’s Credit Card

Pros

No fees of any kind, including no late fees—a rare benefit in the credit card market
No credit score impact to check for preliminary approval
Instant digital card issued upon approval, usable via Apple Pay or Google Pay immediately
Points never expire (for the 10% reward certificate), so casual shoppers still benefit
Works anywhere Visa is accepted, making it a practical everyday card
Automatic Ollie’s Army enrollment for non-members
Industry-high approval rates thanks to Sunbit’s technology, making the card accessible to a broader range of applicants

Cons

Variable APR can reach 35.99%, which is high—carrying a balance would quickly offset any rewards earned
Rewards are limited to Ollie’s, meaning points can only be redeemed in-store at Ollie’s locations, not as cash back or travel rewards
No phone applications accepted; you must apply online or in-store
Statements are electronic by default; paper statements require a separate request
No authorized users; the account is for personal use only and cannot be shared

FAQ:

Which bank provides the Ollie’s Credit Card?

The Ollie’s Credit Card is provided by Transportation Alliance Bank, Inc. (TAB Bank) under an agreement with Visa U.S.A. Inc. Sunbit oversees the card’s management and customer service.

Can I use the Ollie’s Credit Card online?

Yes. The card can be used anywhere Visa is accepted, both in-store and online.

Is there an annual fee?

No. There is no annual fee, and no fees of any kind—including late fees and penalty fees.

Will applying affect my credit score?

Checking for preliminary approval uses a soft credit pull, which won’t affect your score. Opening an account and your payment behavior will be reported to a major credit bureau.

When will I get my card?

Your digital card is available immediately upon approval. The physical card arrives within 7–12 business days.

What happens to my points if I return an item?

Points are deducted when items are returned. If your points had already been converted into a 10% reward certificate before the return, your account may reflect a negative points balance.

How do I redeem my reward certificate?

Once you accumulate 250 reward points, Ollie’s will mail a 10% reward certificate to the address on file. It’s also accessible through the Ollie’s app and your online account once it’s issued. The certificate can only be used once.

Can I combine my Ollie’s Army account with the credit card account?

If you’re already an Ollie’s Army member, your credit card is linked to your existing account. If you’re new to the program, the card automatically enrolls you. For help merging accounts or transferring points, contact Ollie’s customer service.

How do I contact customer support?

Call Sunbit at 855-306-0116 or email support@sunbit.com.

Is the Ollie’s Credit Card Worth It? Bottom Line

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.

Ollie’s Credit Card: Benefits, Rewards & How to Apply