4
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: mattress-firm-credit-card
Issuer: Synchrony
Card Name: Mattress Firm Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank provides important benefits and protections to eligible active duty servicemembers and their dependents under the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA).
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 4 Total
PENDINGShopping 4
Special Financing Offer: 60 Months No Interest
0% APR for 60 months on purchases $2,999+Receive 0% APR for 60 months on qualifying purchases of $2,999 or more made with your Mattress Firm Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the 60-month promotional period. Minimum monthly payments are required.
Special Financing Offer: 48 Months No Interest
0% APR for 48 months on purchases $1,999+Receive 0% APR for 48 months on qualifying purchases of $1,999 or more made with your Mattress Firm Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the 48-month promotional period. Minimum monthly payments are required.
Special Financing Offer: 36 Months No Interest
0% APR for 36 months on purchases $999+Receive 0% APR for 36 months on qualifying purchases of $999 or more made with your Mattress Firm Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the 36-month promotional period. Minimum monthly payments are required.
Special Financing Offer: 24 Months No Interest
0% APR for 24 months on purchases $499+Receive 0% APR for 24 months on qualifying purchases of $499 or more made with your Mattress Firm Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the 24-month promotional period. Minimum monthly payments are required.
Benefits Summary (Flags)
PENDINGExtended 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Mattress Firm Credit Card, issued by Synchrony, primarily offers special financing promotions rather than traditional sign-up bonuses. Application eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate sufficient income. Approval is often possible with fair to good credit scores (typically 620+ FICO), though higher scores may yield larger credit lines. The card's primary 'bonus' is access to promotional financing offers, such as 0% APR for extended periods (e.g., 12-60 months) on qualifying purchases made at Mattress Firm. Specific discounts (e.g., a percentage off first purchase or a dollar amount off purchases over a threshold) may also be offered periodically. The card is generally restricted to purchases made directly at Mattress Firm stores or online at mattressfirm.com.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for traditional bonus; promotional financing applies to qualifying purchases at the point of sale.
Cliff Effect Rules: Synchrony does not have explicit 'family' rules like some major issuers (e.g., Chase 5/24). However, approvals for new Synchrony cards become significantly harder once a customer reaches a high cumulative credit limit across all Synchrony accounts, or if they have opened multiple Synchrony accounts within a short timeframe (e.g., 3+ in 6-12 months). This is an internal exposure management rule rather than a publicly stated 'cliff' effect.
Special Events: Frequent promotional financing offers (e.g., 0% APR for extended periods), special discounts on specific mattress brands or accessories, and bundle deals. These are typically announced in-store and on mattressfirm.com, often tied to seasonal sales.
Holiday Promos: Major sales events around national holidays (e.g., Memorial Day, Labor Day, Black Friday, Presidents' Day, 4th of July) and year-end clearance. These periods often feature enhanced promotional financing or deeper discounts on Mattress Firm products.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.5 / 5.0
Top Positive:
Allows financing of large purchases with promotional 0% APR periods; relatively easy approval process for those with fair credit.
Top Negative:
Very high standard APR after promotional period; deferred interest can be a trap if balance is not paid in full; limited utility outside of Mattress Firm; mixed customer service reviews.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited (for general spending and 0% intro APR offers)
- Citi Double Cash Card (for 2% cash back and 0% intro APR offers)
- Discover it Cash Back (for rotating categories and 0% intro APR offers)
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023