Ebelings Better Sleep Credit Card
Basic Information
Program ID: ebelings-better-sleep-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:10
Last Scraped: 01/15/2026 14:11
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,199.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on all purchases at Ebeling's Better Sleep stores and ebelingsbettersleep.com
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or if account is inactive for 12 months.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility Requirements: Applicants must be a U.S. resident, 18 years of age or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable U.S. mailing address. All applications are subject to credit approval by Synchrony Bank, requiring a satisfactory credit history. Previous defaults or bankruptcies with Synchrony Bank or other creditors may result in denial. Card usage is primarily restricted to Ebeling's Better Sleep stores and their online platform. Bonus Rule: New cardholders receive 0% APR promotional financing for 12-24 months on qualifying Ebeling's Better Sleep purchases of $299 or more, with the specific duration dependent on the purchase amount. Additionally, a one-time 10% discount on the first purchase made within 30 days of account opening, up to a maximum discount of $100.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for traditional sign-up bonus; promotional financing terms apply to specific purchases.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive credit seeking (e.g., 3+ Synchrony applications in 6 months), missed payments or defaults on any Synchrony account, suspicious activity inconsistent with typical Ebeling's spending patterns, or attempts at manufactured spending (though less common for store cards).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval process, provides special financing for large purchases, no annual fee, convenient online account management.
Top Negative Feedback:
High APR after promotional period, deferred interest can be costly if not paid in full, customer service can be challenging, limited use outside of Ebeling's.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Lowe's Advantage Card (Synchrony)
- Capital One Platinum Secured Credit Card
- CareCredit (Synchrony)
Card Value Score: 55.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023