American Home Furniture & Mattress Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: american-home-furniture-mattress-credit-card

Issuer: Synchrony

Card Name: American Home Furniture & Mattress Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:56

Last Scraped: Feb 16, 2026 06:58

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Lifestyle 1
Online Account Access
N/A

Cardholders can conveniently manage their American Home Furniture & Mattress Credit Card account online, allowing them to pay bills, view statements, and update personal information securely.

Shopping 1
Special Financing Offers
Varies by promotion

Cardholders may be eligible for special financing promotions on qualifying purchases made with the American Home Furniture & Mattress Credit Card. These offers are subject to credit approval and may include deferred interest or promotional APRs, with specific terms and minimum purchase requirements varying by promotion. Details are available in-store.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Fair
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the American Home Furniture & Mattress Credit Card requires the applicant to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a verifiable source of income. Approval is subject to Synchrony's creditworthiness assessment, which typically requires good to excellent credit, though promotional offers may sometimes extend to fair credit profiles. The primary 'bonus' associated with this card is promotional financing offers, such as 0% APR for a specified period on qualifying purchases. These offers vary based on purchase amount and current promotions. Standard APR applies if the promotional balance is not paid in full by the end of the promotional period. This card is generally intended for use only at American Home Furniture & Mattress locations and is not designed for international transactions.

Max Cards Per Issuer: 6

Min Spend Interval: N/A - This card primarily offers promotional financing on qualifying purchases rather than a traditional spend-based bonus.

Shutdown Risk Triggers: High credit utilization across Synchrony accounts, multiple recent applications for Synchrony cards, sudden large purchases inconsistent with typical spending patterns, suspected manufactured spending (though less common for store cards), prolonged account inactivity followed by a large purchase, bankruptcy filings, or significant derogatory marks on credit report.

Cliff Effect Rules: Not applicable. This is a store-specific credit card and does not belong to a broader card family with shared benefits or restrictions that would trigger a 'cliff effect'.

Special Events: Exclusive cardholder-only sales events, early access to promotions, and special financing offers during American Home Furniture & Mattress specific sales periods (e.g., Memorial Day, Labor Day, Black Friday, President's Day sales).

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, New Year's, Memorial Day, Labor Day, President's Day, and other store-specific promotional periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.5 / 5.0

Top Positive:
Easy approval process, especially for those with fair credit. Beneficial for large purchases with promotional 0% APR financing, allowing flexible payment options.

Top Negative:
High interest rates after the promotional period, poor customer service from Synchrony Bank, strict terms leading to unexpected fees, and limited utility outside the store.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Credit Card
  • Discover it® Secured Credit Card
  • Petal® 2 Visa® Credit Card

Card Value Score: 50.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0