9
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: sleep-number-credit-card
Issuer: Synchrony
Card Name: Sleep Number credit card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). For more information about SCRA benefits, visit mysynchrony.com/military.
Rewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 9 Total
PENDINGFinancial 3
No Annual Fee
No annual feeThe Sleep Number credit card does not charge an annual fee for cardholders.
Convenient Monthly Payments
Cardholders can make convenient monthly payments on their Sleep Number purchases.
Easy Online Account Management
Manage your Sleep Number credit card account easily online, including viewing statements and making payments.
Shopping 6
Special Financing: 24 Months 0% APR
24 months 0% APR on purchases $3,000+No interest if paid in full within 24 months on purchases of $3,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Special Financing: 36 Months 0% APR
36 months 0% APR on purchases $5,000+No interest if paid in full within 36 months on purchases of $5,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Special Financing: 48 Months 0% APR
48 months 0% APR on purchases $8,000+No interest if paid in full within 48 months on purchases of $8,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Special Financing: 60 Months 0% APR
60 months 0% APR on purchases $10,000+No interest if paid in full within 60 months on purchases of $10,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Special Financing: 72 Months 0% APR
72 months 0% APR on purchases $12,000+No interest if paid in full within 72 months on purchases of $12,000 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Exclusive Cardholder Offers
Varies by offerAccess to special offers and promotions available only to Sleep Number credit cardholders.
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 |
| Effective Annual Fee: | $0.00 |
| 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 requires applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN/ITIN, and possess sufficient income and an acceptable credit history. The primary 'bonus' is typically promotional financing (e.g., 0% APR for 12-60 months on qualifying Sleep Number purchases over a specified minimum amount). All purchases must be made at Sleep Number stores or SleepNumber.com. Standard Synchrony credit terms apply, including potential deferred interest if the promotional balance is not paid in full by the end of the period.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for sign-up bonus; promotional financing terms require minimum monthly payments and full repayment by the end of the promotional period to avoid deferred interest.
Cliff Effect Rules: Not applicable; store cards generally do not have complex card family rules or 'cliff effects' related to other Synchrony products.
Special Events: Exclusive cardholder-only sales events, early access to new Sleep Number products, and special financing offers during peak sales periods.
Holiday Promos: Extended promotional financing offers during major retail holidays such as Black Friday, Cyber Monday, Presidents' Day, Memorial Day, and Labor Day.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for in-store financing, helpful for large purchases with promotional APR offers, and can assist with building credit.
Top Negative:
High regular APR after promotional period, limited utility outside Sleep Number and Synchrony HOME network, and reports of strict promotional terms and customer service issues.
Approval Experience: 72.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 62.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: October 2023