Slumberland Furniture Credit Card

Synchrony Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: slumberland-furniture-credit-card

Issuer: Synchrony

Card Name: Slumberland Furniture Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:57

Last Scraped: Feb 17, 2026 08:59

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
Benefits & Protections (Detailed) 5 Total
PENDING
Cost Savings 1
No Annual Fee
No annual fee

The Slumberland Furniture Credit Card does not charge an annual fee for card membership.

Financing 3
Special Financing: 0% APR for 12 Months
0% APR for 12 months on purchases of $999 or more

Receive 0% APR for 12 months on qualifying purchases of $999 or more made with the Slumberland Furniture Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Subject to credit approval and minimum monthly payments.

Special Financing: 0% APR for 24 Months
0% APR for 24 months on purchases of $1999 or more

Receive 0% APR for 24 months on qualifying purchases of $1999 or more made with the Slumberland Furniture Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Subject to credit approval and minimum monthly payments.

Special Financing: 0% APR for 36 Months
0% APR for 36 months on purchases of $2999 or more

Receive 0% APR for 36 months on qualifying purchases of $2999 or more made with the Slumberland Furniture Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Subject to credit approval and minimum monthly payments.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to special promotions and discounts available only to Slumberland Furniture 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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: Bonus Rule: Primarily offers promotional financing (e.g., 0% APR for 12-48 months on qualifying purchases, often with minimum spend requirements) or initial purchase discounts. Application Rules: Applicants must be 18+ (19+ in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and verifiable income. Approval is creditworthiness-dependent, generally requiring fair to good credit, though Synchrony may approve a broader range based on overall credit profile.

Max Cards Per Issuer: 5

Min Spend Interval: Varies, typically 12-48 months for promotional financing offers.

Shutdown Risk Triggers: Missed or late payments, high utilization across Synchrony accounts, excessive credit seeking (numerous applications in a short period), suspicious activity or potential fraud, significant negative changes in credit profile, exceeding Synchrony's internal cumulative credit limit.

Cliff Effect Rules: No known 'cliff effect' rules specific to Synchrony's store card portfolio; each card application is generally evaluated independently.

Special Events: Slumberland's Annual Sale, President's Day Sale, Memorial Day Sale, Labor Day Sale, Columbus Day Sale, Veterans Day Sale, New Year's Sale

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), New Year's (early January), Major US Federal Holidays (e.g., Memorial Day, Labor Day, President's Day)

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Useful for large furniture purchases with special financing offers; No annual fee; Relatively easy approval for those with fair credit.

Top Negative:
High deferred interest if not paid in full; Customer service can be frustrating; Low initial credit limits; APR is very high after promotional period.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Wells Fargo Reflect Card
  • Chase Freedom Unlimited
  • Ashley Furniture Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 26, 2023 00:00