5
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 5 Total
PENDINGPromotional Financing 5
12 Months Special Financing
12 Months Special FinancingReceive 12 months of special financing on purchases of $999 or more made with your Sleep City credit card. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months.
24 Months Special Financing
24 Months Special FinancingReceive 24 months of special financing on purchases of $1999 or more made with your Sleep City credit card. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months.
36 Months Special Financing
36 Months Special FinancingReceive 36 months of special financing on purchases of $2999 or more made with your Sleep City credit card. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 36 months.
48 Months Special Financing
48 Months Special FinancingReceive 48 months of special financing on purchases of $3999 or more made with your Sleep City credit card. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 48 months.
60 Months Special Financing
60 Months Special FinancingReceive 60 months of special financing on purchases of $4999 or more made with your Sleep City credit card. Subject to credit approval. Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 60 months.
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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
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: For 2026, the Sleep City Credit Card from Synchrony offers new cardholders a 15% discount on their first Sleep City purchase, up to a maximum of $250, when made within 30 days of account opening. Additionally, purchases over $999 are eligible for 12 months of 0% APR deferred interest financing, provided the full balance is paid by the end of the promotional period. Eligibility requirements include being 18 years or older, possessing a valid U.S. Social Security Number or ITIN, having a U.S. mailing address, and meeting Synchrony's creditworthiness criteria (typically good to excellent credit). Existing Synchrony account holders must be in good standing.
Max Cards Per Issuer: 6
Min Spend Interval: 30 days (for initial discount bonus)
Cliff Effect Rules: Synchrony does not have explicit 'family' rules like Chase's 5/24. However, their internal underwriting system considers the total number of Synchrony accounts, total credit extended across all Synchrony products, and recent credit inquiries. Applying for too many Synchrony cards in a short period or accumulating a very high total credit limit with Synchrony can lead to automatic denials for new applications or even credit limit reductions/account closures on existing accounts, even if individual accounts are in good standing. This is an internal credit exposure management rule.
Special Events: Annual Sleep City Anniversary Sale (Q3, enhanced financing/bonus rewards), Spring Refresh Event (Early Q2, exclusive cardholder discounts on bedding/bedroom furniture), Customer Appreciation Days (Ad-hoc, double points or special discounts for cardholders).
Holiday Promos: Memorial Day Sale (Late May, extended financing), Labor Day Sale (Early September, financing and discounts), Black Friday / Cyber Monday (Late November, significant store-wide discounts and special cardholder financing), New Year's Resolution Sale (Early January, offers on sleep improvement products).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.9 / 5.0
Top Positive:
Offers special financing for large purchases, often approved with fair credit, useful for deferred interest promotions.
Top Negative:
High regular APR after promotional period, poor customer service from Synchrony Bank, difficult to get credit limit increases, limited use outside specific merchants.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Custom Cash Card
- Wells Fargo Active Cash Card
- Chase Freedom Flex
Card Value Score: 60.0 / 100
Est. Annual Rewards: $25.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0