5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards 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) 5 Total
PENDINGAccount Management 1
Online Account Management
Cardholders can manage their Metro Mattress credit card account online 24/7, including viewing statements, making payments, and updating personal information.
Financial 1
No Annual Fee
$0The Metro Mattress credit card does not charge an annual fee for card membership.
Financing 2
Access to Special Financing Offers
Varies by offerCardholders may qualify for special financing offers on eligible Metro Mattress purchases, allowing for deferred interest or reduced APR periods. Specific offers vary and are subject to terms and conditions.
Convenient Monthly Payments
The credit card provides the ability to make convenient monthly payments on purchases, helping cardholders manage their budget and cash flow.
Shopping 1
Dedicated Credit Line for Metro Mattress Purchases
The card provides a dedicated credit line specifically for purchases made at Metro Mattress, separating these purchases from other credit lines.
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 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility: Applicants must be 18 years or older, a US resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to Synchrony's internal underwriting standards. Bonus Rule: New cardholders typically receive special financing offers, such as 0% APR for 12-24 months on qualifying purchases over a specified amount (e.g., $599), with deferred interest. Specific offers vary by promotional period and purchase. Store-specific restrictions apply, meaning the card is primarily for purchases at Metro Mattress locations and affiliated brands.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Not applicable in the traditional sense of card families. However, failure to make minimum payments or pay off the promotional balance in full by the end of the special financing period will result in all deferred interest being retroactively applied from the purchase date, significantly increasing the total cost.
Special Events: Annual 'Sleep Better' Sales, Grand Opening Promotions for new store locations, Customer Appreciation Days, and exclusive in-store financing events tied to specific product launches or inventory clearances.
Holiday Promos: Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, and year-end holiday sales (Christmas/New Year).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy application process, special financing options for large purchases, convenient monthly payments.
Top Negative:
High standard APR after promotional period, deferred interest can be tricky, limited use outside of Metro Mattress.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Ashley Advantage Credit Card (Synchrony)
- Amazon Store Card (Synchrony)
- Wells Fargo Reflect® Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 26, 2023 00:00