A charge labeled “Ollie’s” on your credit or debit card statement almost always comes from a purchase at Ollie’s Bargain Outlet, a discount chain with more than 500 stores across 31 states. If the line reads “CS *OLLIES BARGAIN GC,” it’s an online gift card purchase.1Ollie’s Bargain Outlet. Gift Cards FAQ A separate set of Ollie’s charges may come from the retailer’s own co-branded Visa, launched in August 2024 with fintech partner Sunbit and issued by Transportation Alliance Bank (TAB Bank). Because that card works anywhere Visa is accepted, charges tied to it can show up from any merchant, not just Ollie’s.2Modern Retail. Ollie’s Bargain Outlet’s Army of Fans Is Taking Its First-Ever Credit Card Everywhere
What the Ollie’s Visa Is and Who Issues It
The Ollie’s Visa is a general-purpose credit card issued by TAB Bank, an FDIC-insured institution based in Utah. Sunbit runs the technology platform and services the account.3Ollie’s Bargain Outlet. Ollie’s Credit Card If you see a charge on this card, the merchant on your statement is whoever you paid; the issuer behind the account is TAB Bank, and customer service runs through Sunbit.
Applications are submitted online, and the initial check is a soft credit pull that doesn’t affect your score. Once an account is open, activity is reported to a major credit bureau. Approved applicants get a virtual card right away and a physical card by mail in 7 to 12 business days.3Ollie’s Bargain Outlet. Ollie’s Credit Card
Fees and Interest
The card has no annual fee, no late fees, no penalty fees, no over-limit fees, no returned-payment fees, and no foreign transaction fees.4Ollie’s Bargain Outlet. Ollie’s Credit Card5Sunbit. Sunbit Cardmember Agreement An unexpected add-on fee isn’t the explanation for a charge you can’t place.
Interest is a different story. The variable APR runs from 15.74% to 35.99% as of late December 2025, with lower caps in a handful of states: 17.99% in West Virginia, 22.99% in Massachusetts, 23.99% in Washington, D.C. and Maryland on limits above $1,000, and 20.99% in Colorado on limits above $1,000.6Ollie’s Bargain Outlet. Ollie’s Credit Card No interest accrues if you pay the full balance by the due date, and the grace period runs at least 26 days after the close of each billing cycle. Minimum payments are set to pay off the balance within 36 months assuming no new charges, with a floor of $25.5Sunbit. Sunbit Cardmember Agreement Carrying a balance at the top end of the APR range can add up quickly even without fees.
What You Earn on Each Charge
Every Ollie’s Visa charge feeds the retailer’s loyalty program, Ollie’s Army. New cardholders are automatically enrolled.7Sunbit. Ollie’s Partners With Sunbit to Offer a New Co-Branded Visa Credit Card Purchases at Ollie’s earn one extra Ollie’s Army point for every $2 spent on top of the standard one point per dollar. Purchases anywhere else that takes Visa earn one point per $2.3Ollie’s Bargain Outlet. Ollie’s Credit Card
Every 250 points converts to a 10% reward certificate for a future Ollie’s purchase, and points toward certificates don’t expire.3Ollie’s Bargain Outlet. Ollie’s Credit Card A new cardholder also gets a $10 statement credit after a qualifying $10 or more in-store purchase within 90 days of opening the account, posting within one full statement cycle, as long as the account stays in good standing.8Ollie’s Bargain Outlet. Ollie’s Credit Card
Disputing a Charge You Don’t Recognize
If a charge on your Ollie’s Visa looks wrong, the cardholder agreement follows the Fair Credit Billing Act. Written disputes go to TAB Bank, care of Sunbit’s legal department, at PO Box 24010, Los Angeles, CA 90024. The same address handles reports of lost or stolen cards and unauthorized transactions.9Sunbit. Card Terms and Conditions
The card carries a no-fraud-liability policy for unauthorized Visa transactions if you report the problem promptly after the statement is sent. You are not liable for unauthorized charges that happen after you notify TAB Bank. One boundary matters here: charges made by someone you previously authorized to use the account are not treated as unauthorized until you call Sunbit at 855-678-6248 to revoke that access.9Sunbit. Card Terms and Conditions
Account Issues Cardholders Have Reported
Consumer feedback about Sunbit’s account management has surfaced a few recurring issues worth knowing about if a charge is behaving oddly. Cardholders have reported accounts being restricted or blocked without clear explanation, transactions declined at the register even after support confirmed the account was active, and accounts closed after disputes over identity verification.10WalletHub. Sunbit Profile
Verification itself can be involved. Some users have described being asked for a photo ID, a selfie with the ID, a Social Security card, and proof of address, with waits of 7 to 10 business days and inconsistent instructions from different representatives. Payment flexibility has also drawn complaints: at least one cardholder reported being unable to pay the balance in full before the statement generated, and others have described difficulty making manual overpayments.11myFICO Forums. Ollie’s Credit Card10WalletHub. Sunbit Profile
On the other side, some cardholders have credited the card with helping them build credit and have received credit limit increases after consistent use. The card works with Apple Pay and Google Pay, so a charge may show on your statement from a mobile wallet transaction rather than a physical swipe.10WalletHub. Sunbit Profile