Sleep Number credit card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: sleep-number-credit-card-v2

Issuer: Synchrony

Card Name: Sleep Number credit card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:48

Last Scraped: Feb 17, 2026 08:50

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 4 Total
PENDING
Account Management 1
Online Account Management

Cardholders can conveniently manage their Sleep Number credit card account online, including viewing statements, making payments, and accessing account details.

Cost Savings 1
No Annual Fee
No annual fee

There is no annual fee charged for maintaining the Sleep Number credit card account.

Financing 1
Special Financing Offers
Varies by promotion

Cardholders may qualify for special financing promotions on eligible Sleep Number purchases, which can include deferred interest if the promotional balance is paid in full within the specified period.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to special promotions, discounts, or events made available exclusively to Sleep Number credit cardholders.

Benefits Summary (Flags)
PENDING

Extended 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: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ No interest if paid in full within 24 months on qualifying purchases of $3,000 or more made with your Sleep Number credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Sleep Number Credit Card v2 (2026) requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). All applications are subject to Synchrony's credit approval process, which includes a review of credit history and existing credit obligations. The primary 'bonus rule' for this store card typically involves promotional financing offers, such as 0% APR for a specified duration (e.g., 12, 24, 36, or 60 months) on qualifying Sleep Number purchases, often with minimum spend thresholds (e.g., $1,000, $3,000, or more). Traditional cash back or points sign-up bonuses are generally not offered.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for traditional bonus; promotional financing requires immediate qualifying purchase.

Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general trigger), high cumulative credit limit across all Synchrony accounts, prolonged inactivity on the card, late or missed payments, suspicious account activity, or breach of cardholder agreement terms.

Cliff Effect Rules: Traditional 'cliff effect' rules (e.g., related to card families or bonus eligibility based on past card ownership) are generally not applicable to Synchrony store cards. However, Synchrony does manage overall credit exposure, meaning approvals for new cards can be impacted by the total credit limit extended across all existing Synchrony accounts.

Special Events: Sleep Number often runs special financing promotions tied to major sales events such as their Anniversary Sale, President's Day Sale, Memorial Day Sale, Labor Day Sale, and other seasonal promotions. These events frequently feature enhanced promotional financing offers for cardholders.

Holiday Promos: Key holiday promotional periods for Sleep Number and its credit card include Black Friday/Cyber Monday, Christmas/New Year's, Valentine's Day, Mother's Day, and Father's Day, often accompanied by special financing or purchase incentives.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Users appreciate the special financing options for large Sleep Number purchases, making expensive items more affordable. The card provides exclusive access to promotions and discounts for Sleep Number products.

Top Negative:
Common complaints include high standard APR after promotional periods, limited utility outside of Sleep Number stores, and occasional issues with Synchrony Bank's customer service or billing clarity.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
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Card Value Score: 78.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v2