Mattress Firm Credit Card
Basic Information
Program ID: mattress-firm-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:00
Last Scraped: 01/15/2026 12:02
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: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
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: $0.00
Spending Requirement: $2,999.00
Time Period: 0 days
Bonus Timing: The primary welcome offer for the Mattress Firm Credit Card (issued by Synchrony) is special financing, not a traditional points, miles, or cash back bonus. Special financing offers are applied at the time of purchase when the qualifying minimum spend is met. There is no separate bonus approval or posting process for this type of offer.
Rewards Program
Reward Type: Promotional Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Special financing offers on Mattress Firm purchases (e.g., 0% APR for 12, 24, 36, 48, or 60 months, depending on promotion and purchase amount). This card does not earn traditional points or cash back rewards.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Promotional financing terms apply for specific periods. If the promotional balance is not paid in full by the end of the promotional period, deferred interest will be charged from the purchase date. There are no points or cash back rewards to expire.
Transfer Partners: N/A - This card offers promotional financing, not transferable points or travel rewards.
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: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Mattress Firm credit card primarily offers promotional financing options (e.g., 0% APR for X months) on qualifying Mattress Firm purchases, or initial purchase discounts (e.g., 10-20% off first purchase) rather than traditional points/cashback bonuses. Eligibility requirements for 2026 include being 18 years or older, possessing a valid U.S. Social Security Number or ITIN, having a U.S. mailing address, and demonstrating a steady income. Approval is subject to a credit check (hard inquiry) and Synchrony's internal underwriting criteria. Card use is primarily restricted to Mattress Firm locations and online.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable; promotional financing offers are typically applied at the point of sale for qualifying purchases, not tied to a post-approval spend requirement.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, missed or late payments, suspected fraudulent activity, significant changes in credit profile (e.g., bankruptcy), or excessive returns/abnormal spending patterns that suggest misuse of promotional financing.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Allowed me to finance a large purchase without interest; Easy application process; Helped me get the mattress I needed.
Top Negative Feedback:
High interest rate after promotional period; Customer service can be difficult; Only useful at Mattress Firm; Deferred interest can be tricky.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Custom Cash Card
- Wells Fargo Autograph Card
Card Value Score: 45.0 / 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: 80.0%
Terms Version Control
Version ID: v2023-10-26