Quiz: How Much Do You Know about Mattress Firm Credit Card?

For the proper functioning of the human body, a night of good sleep is a crucial factor. Mattress Firm Credit Card helps you to have a good sleep. The card is focusing the loyal customers who visit Mattress Firm. The company is a mattress store chain located in the United States for over 30 years. 

Synchrony bank is the issuer in charge of the Mattress Firm credit card. Initially, the bank started its operations in 1988. Synchrony Financial and the GE Capital are the parent organizations of the company. Currently, the bank is offering Money Market Accounts & Certificates of Deposits to its customers.

Moreover, Mattress Firm Credit Card is a store card. However, it does not connect with Visa, Amex, or MasterCard networks. But the credit card is managing you to provide various offers and rewards to save your time and money.

Mattress Firm Credit Card Rates & Fees

  • $0 Annual Fee.
  • The minimum interest charge is $2.
  • The late Fee Amount is $38.
  • Purchase APR (Variable APR) is 29.99%.

Approval Odds

It is essential to realize that only residents in the United States can apply for the card. It is equally crucial to holding a Social Security Number & a government-issued identity card. Additionally, your age should not be less than 18 years. Another critical point is the credit score. It would be great if your credit score is between 400-850 to apply for the card.

Mattress Firm Credit Card Advantages

  • Special Financing Options:

Based on your value of the purchase, the card is ready to provide different funding plans. Since you have a six-month Intro APR, it will be a lot easier to manage your funds. The funding programs are starting with 24 months to 60 months. It would help if you were on alert to grab the offer because the offers are available occasionally.

  • Online Account Management facility:

The Synchrony will provide you an online account login for your Mattress Firm credit card. Through that, you may quickly process your bill payments and settlements even from your mobile device. The facility is available 24×7 to make your life easier.


  • Limited Usage:

As mentioned earlier, the card is only accepting at Mattress Firm Stores. So there will be no point in carrying the card elsewhere. You cannot use the card mean you will not earn rewards or offers anywhere else. Since the credit card is not bearing a global signature, you cannot perform foreign transactions or advance payments.


  • Fewer rewards:

Except for the Intro APR & special financing, the card is rarely giving away rewards to its customers. You may not earn a sign-up bonus for registering the card. Besides, no cashback rewards or birthday surprises are applicable for the card. Most of the store cards have a point system. Unfortunately, you do not earn a point in the Mattress Firm credit card.

Requirements of the Application

You will find the online application for the credit card at the Mattress Firm official webpage. It is a more straightforward process to complete in a few minutes. It would be great if you have persona details, contact information housing address, income data, as well as employment history to fill the form. By calling 1-855-456-8048, you may know the status of your application.

On the negative side, you are not allowed to process balance transfers form the card.

Customer Service

1-866-396-8254 is the number that you can contact a customer service agent. They will help you to increase the credit limit as well as the cancelation of your card. Another way is, you may request help by chatting or by sending a secured e-mail to the customer service group.

Should you go with Mattress Firm Credit Card?

The genuine focus of the Mattress Frim credit card goes to the bedding, pillows, and mattresses. The card will help you to buy a mass amount of those products through funding programs. Anyway, do you think that you will obtain a bed once a month? I hope not. Please plan all your purchases before applying for such a narrow credit card.

(recommended best furniture related credit cards are living spaces credit card,Gardner white credit card,Ikea credit card)

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