Ashley Furniture HomeStore Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Ashley Furniture HomeStore Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees$50 initial rewards bonusQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Ashley Furniture HomeStore Credit Card has a rating of 2.3/5 according to our proprietary credit card rating system. This rating reflects how appealing Ashley Furniture HomeStore Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, Ashley Furniture HomeStore Credit Card earned a score of 5.0/5 for Fees, 1.7/5 for Rewards, 2.0/5 for Cost, 1.6/5 for APR, and 3.4/5 for User Reviews. Info about the Ashley Furniture HomeStore Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
79 reviewsRead and write reviews
Market Comparison
Market Comparison
2.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
1.7
Cost
2.0
APR
1.6
2.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% - 9.99% intro APR for 6 - 36 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $50 off after spending $999 or more when you open and use your card between 3/11/2024 – 4/1/2024.
Ashley Furniture HomeStore Credit Card's Additional Info
Deferred interest details: No interest if paid in full within 6 months with no minimum purchase.
Deferred interest details: No interest if paid in full within 12 months with a minimum purchase of at least $999.
Fixed Rate Financing: 9.99% APR for 36 months with a minimum purchase of at least $1,999.
Automatically enrolled in the Orange Rewards Program, you can earn a $50.00 rewards coupon when you make two or more Qualifying Purchases within a calendar year that equal or exceed, in total, $2,500. Terms apply, check website for details.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.4
Market Comparison
2.2
fees: 5.0
rewards: 1.7
cost: 2.0
APR: 1.6
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
(79)
(74)
(1,255)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% - 9.99% for 6 - 36 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Ashley Furniture HomeStore Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Here is how to apply for the Ashley Furniture HomeStore Credit Card online:
Visit the Ashley Furniture HomeStore Credit Cardwebpage and click the “Apply Now” button.
Start by filling in the last 4 digits of your Social Security number (SSN) and your phone number.
Provide more personal information, including your address, full SSN, and salary.
Follow the instructions to complete your application.
Click the “Accept and Submit” button.
Most applicants receive a decision in seconds. If you're not immediately approved or denied, allow 7-10 business days for the issuer to review your application.
Ultimately, keep in mind that the Ashley Furniture HomeStore Credit Card requires at least fair credit for high chances of approval. If you don't know where you stand, you can check your score for free, right here on WalletHub.
For the Ashley Furniture HomeStore Credit Card you need a credit score of at least 640 (fair credit).
While having an adequate credit score is important, that alone won't guarantee your approval. The issuer will also look at your income in relationship to your existing debt when considering you for a new account.
Since the Ashley Furniture HomeStore Credit Card is a store card, it cannot be used outside of Ashley Furniture stores. The card offers no rewards but only requires fair credit for approval.
The card can be used in certain stores, depending on the bank's business partner that issued it. You can find a complete list of businesses here: https://www.mysynchrony.com/
You can make a Ashley Furniture HomeStore Credit Card payment online, by phone or by mail. To pay a Ashley Furniture HomeStore Credit Card bill online, log in to your online account and click on “Make a payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Issuer does allow cardholders to set up automatic payments, too.
Ways to Make a Ashley Furniture HomeStore Credit Card Payment
Online:Log in to your online account and click on “Make...
No, you cannot pay your Ashley Furniture HomeStore Credit Card in store. However, there are plenty of other ways to make a payment for your Ashley Furniture HomeStore Credit Card. You can make a payment through your online account, over the phone at (877) 295-2080, or via mail at the following address:
Synchrony Bank P.O. Box 71715 Philadelphia, PA 19176-1715
Just keep in mind that payments by mail take the longest to process. For faster processing, you should pay online or over the...
1% of the statement balance, plus interest and late payment fees
If the statement balance is less than $30, then the minimum payment will be equal to the balance. In addition, you will have to pay any past due or special promotion amounts.
The minimum payment is the smallest amount you're obligated...
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Ashley Furniture HomeStore Credit Card.
It's important to know that when you cancel your Ashley Furniture HomeStore Credit Card, you may see...
The Ashley Furniture HomeStore Credit Card's income requirement isn't disclosed. But you'll have to provide a steady source of income during your application, though. In order to approve you, the issuer needs to make sure you'll be able to pay for your new debt obligations.
Share your insights and review for the Ashley Furniture HomeStore Credit Card
5
35%
4
22%
3
15%
2
8%
1
20%
3.4
79 reviews
79 reviews
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Rhonda Emineth @rhondaemineth
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5 Star Rating
Verified Customer
This was my first credit card as far as home furnishings and I was so excited when they said I was approved. I moved into my apartment and I had NOTHING!!! So that same day as being approved I used all of my limit with no interest. I paid it off very fast and I feel good that if I need something for my home I have this card.
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Judy @judymedina493
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5 Star Rating
Verified Customer
Got leather sofa bed and loveseat and absolutely loved it.. had a minor problem when delivering but cleared it up right away and I was fully satisfied
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0
0
Chavez K @chavezk
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1 Star Rating
Verified Customer
Not reporting my payments when I paid on time. but the minute I am Late. It will show up asap don't like that do your job please
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0
0
Marissa @mpeck21721_1
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1 Star Rating
Verified Customer
They lowered my balance and closed my account without telling me specifics. I was never late on a payment and always over paid. It’s terrible service, and I’d highly recommend never getting any card from synchrony bank.
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1
0
kyler @kylerd
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1 Star Rating
Verified Customer
Ashley furniture has screwed me over in so many ways I would not ever buy anything from them ever ever again a chair I paid 300 for since I financed it I well paid over 1500 definitely don’t recommend Ashley future
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0
0
Sarah @sarah48185
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5 Star Rating
Verified Customer
They're keeping an correct update on my payment history. I enjoyed shopping and buying at that particular store they had what l was searching for during the time l visited their store.
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0
0
carlos @carlost_43
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4 Star Rating
Verified Customer
Very eazy to understand, always get the statements on time will,use it again once the apr goes down syncrony Bank is a good Bank to work with.
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0
0
jessw_3 @jessw_3
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5 Star Rating
Verified Customer
EASY QUICK credit check. Sales helped alot with the process and we had new furniture within the week. Thx Ashley furniture. Great experience
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0
0
Armina @arminat
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3 Star Rating
Verified Customer
No comment...they not fair they say no interest but there is interes so what to do about that......................................
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0
0
Joshua @kellybergeron69
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1 Star Rating
Verified Customer
I do not owe this company any money! They have had plenty of time to report this to all 3 credit bureaus, but have failed to do so.
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