Ebeling's Better Sleep Credit Card

Synchrony Pending

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0

Benefits

0

Reward Categories

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Max Reward

22%

APR From
Basic Information
PENDING

Program ID: ebelings-better-sleep-credit-card

Issuer: Synchrony

Card Name: Ebeling's Better Sleep Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:10

Last Scraped: Feb 05, 2026 13:11

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

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x on all purchases at Ebeling's Better Sleep stores and ebelingsbettersleep.com

Quarterly Rotating: No

Cap Amount: $10,000.00

Expiration Policy: Points expire 24 months after issuance or if account is inactive for 12 months.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: None

Redemption Penalties: Minimum redemption of 1,000 points ($10 value).

Benefits & Protections (Detailed)
No Card Benefits Available

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

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
PENDING

$100

Cash Back

Requirement: Spend $1,000 in 90 days

Timing: Statement credit typically posts within 1-2 billing cycles after the spending requirement is met.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: N/A
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.99% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 7

Min 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).

Cliff Effect Rules: While there isn't a specific 'card family' cliff effect for this single store card, Synchrony's overall underwriting limits total credit exposure across all Synchrony accounts. Opening too many Synchrony cards in a short period (e.g., 3+ in 6 months) can lead to automatic denials or significantly lower credit limits on subsequent applications, regardless of individual credit score.

Special Events: Annual 'Better Sleep' sales events (e.g., Spring Refresh, Fall Comfort), store anniversary promotions, and exclusive cardholder-only discount days at Ebeling's Better Sleep.

Holiday Promos: Major U.S. holidays including New Year's Day, Memorial Day, 4th of July, Labor Day, Black Friday/Cyber Monday week, and the entire Christmas/New Year shopping season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval process, provides special financing for large purchases, no annual fee, convenient online account management.

Top Negative:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023