Sleep Number Rewards Visa® Card

Synchrony Visa Pending

Back Apply Now

11

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: sleep-number-rewards-visa-card

Issuer: Synchrony

Card Name: Sleep Number Rewards Visa® Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:50

Last Scraped: Feb 17, 2026 08:53

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Sleep Number Purchases 3x Cash Back Purchases made at Sleep Number stores, SleepNumber.com, or by phone at 1-800-Sleep Number. No Cap
Gas 2x Cash Back Purchases made at gas stations. No Cap
Groceries 2x Cash Back Purchases made at grocery stores. No Cap
All Other Purchases 1x Cash Back All eligible purchases not falling into other bonus categories, everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Sleep Number purchases, 2x Gas and Groceries

Quarterly Rotating: No

Expiration Policy: Points expire 36 months (3 years) from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Points are only redeemable for Sleep Number purchases.

Benefits & Protections (Detailed) 11 Total
PENDING
Financial 1
No Annual Fee
$0

The Sleep Number Rewards Visa Card does not charge an annual fee for card membership.

Rewards 3
Sleep Number Purchase Points Earning
2 points per $1

Earn 2 points for every $1 spent on purchases made at Sleep Number.

Everyday Purchase Points Earning
1 point per $1

Earn 1 point for every $1 spent on purchases made everywhere else Visa is accepted.

Points Redemption for Sleep Number Purchases
Varies based on points accumulated

Redeem accumulated points towards future purchases at Sleep Number.

Security 2
Visa Zero Liability Policy
Full protection

Protects cardholders from unauthorized purchases made with their Sleep Number Rewards Visa Card. Cardholders are not held responsible for fraudulent charges.

Lost/Stolen Card Reporting
Assistance service

Assistance with reporting a lost or stolen Sleep Number Rewards Visa Card to prevent unauthorized use.

Shopping 1
Special Financing Options
Varies by promotion

Access to special financing promotions on Sleep Number purchases when using the Sleep Number Rewards Visa Card.

Travel Insurance 4
Emergency Card Replacement
Expedited replacement

Provides expedited replacement of a lost or stolen Sleep Number Rewards Visa Card, typically within 1-3 business days.

Emergency Cash Disbursement
Emergency cash access

Provides access to emergency cash if the Sleep Number Rewards Visa Card is lost or stolen, typically available within hours.

Travel and Emergency Assistance Services
Referral service

Provides a referral service for medical, legal, and travel-related emergencies when traveling away from home. Cardholders are responsible for the cost of any services obtained.

Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders pay a pre-negotiated flat rate per service call.

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: $41.00
Balance Transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the Sleep Number Rewards Visa Card is expected to maintain its core structure. Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid SSN or ITIN, and have good to excellent credit. Application approval is subject to Synchrony's credit underwriting standards, including a review of the applicant's credit history and existing Synchrony relationships. The typical sign-up bonus is projected to be a statement credit or bonus points after meeting a specified spending threshold within the initial 3 months, often with enhanced rewards or a larger bonus for Sleep Number purchases. Store-specific restrictions apply primarily to reward redemption and special financing offers, which are often exclusive to Sleep Number purchases. Bonus eligibility is generally limited to one per account lifetime.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive returns, defaulting on other Synchrony accounts, rapid account opening and closing, suspected fraud, or abuse of promotional offers and financing terms.

Cliff Effect Rules: Synchrony generally does not implement complex 'cliff effect' or card family rules similar to other major issuers. However, sign-up bonuses are typically limited to one per account lifetime. Reapplying for the same card after closing it may not yield a new bonus if the previous bonus was received within a recent period (e.g., 24-48 months), though this is less strictly enforced for store-branded cards.

Special Events: Exclusive cardholder financing offers (e.g., 0% APR for extended periods on Sleep Number purchases), bonus points events on Sleep Number purchases, special discounts during Sleep Number sales events, and early access to new product launches or promotions.

Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, 4th of July, President's Day, and other major retail holidays. Sleep Number also runs specific seasonal sales throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Excellent rewards for Sleep Number purchases (5% back), useful financing options, and decent bonus rewards (2% on gas, groceries, dining) for a co-branded card.

Top Negative:
Frequent complaints about Synchrony Bank's customer service, high APR, and occasional issues with credit limits or rewards redemption.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash
  • Capital One SavorOne

Card Value Score: 70.0 / 100

Est. Annual Rewards: $475.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0