Sleep Number® Credit Card
Basic Information
Program ID: sleep-number-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:45
Last Scraped: 01/15/2026 11:47
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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: 2,999.00% - 2,999.00%
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: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (e.g., points, miles, cash back, or statement credit for opening the card) is currently advertised for the Sleep Number Credit Card on the financing page. The primary benefit offered is special financing on Sleep Number purchases.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Sleep Number Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of inactivity or account closure.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Sleep Number Credit Card, issued by Synchrony, primarily offers promotional financing on qualifying Sleep Number purchases rather than traditional sign-up bonuses. For 2026, expect deferred interest promotions such as 0% APR for 12, 24, 36, or 48 months on specific purchase amounts, with interest accruing from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Eligibility requirements include being at least 18 years old (19 in AL and NE), having a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a verifiable U.S. mailing address, and a stable source of income. Approval is subject to creditworthiness, generally requiring fair to good credit, though Synchrony may approve applicants with lower scores at reduced credit limits.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus; promotional financing terms apply to specific purchases and their respective durations.
Shutdown Risk Triggers: Common triggers for account shutdown or credit limit reduction by Synchrony include: high cumulative credit exposure across all Synchrony accounts, missed payments or default on any Synchrony product, suspicious or fraudulent activity, rapid accumulation of multiple Synchrony accounts within a short timeframe, significant adverse changes in credit profile (e.g., bankruptcy, high debt-to-income ratio), and, less commonly for store cards, manufactured spending.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Excellent promotional financing options for large purchases; easy application process at point of sale.
Top Negative Feedback:
High standard APR after promotional period; deferred interest can be costly if not paid in full; limited utility outside of partner stores.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Discover it Cash Back
Card Value Score: 70.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0