La-Z-Boy Furniture Galleries Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The La-Z-Boy Furniture Galleries Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchasesNo deferred interestQualify with fair creditNo rewardsHigh 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.
La-Z-Boy Furniture Galleries Credit Card has a rating of 4.2/5 according to our proprietary credit card rating system. This rating reflects how appealing La-Z-Boy Furniture Galleries 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, La-Z-Boy Furniture Galleries Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 4.0/5 for Cost, 4.5/5 for APR, and 4.0/5 for User Reviews. Info about the La-Z-Boy Furniture Galleries 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
4.0/5
11 reviewsRead and write reviews
Market Comparison
Market Comparison
4.2
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
0.0
Cost
4.0
APR
4.5
4.2/5
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% intro APR for 12 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
La-Z-Boy Furniture Galleries Credit Card's Additional Info
Equal Monthly Payment Financing: 0% APR for 12 months. Minimum purchase may apply.
A dedicated credit line to use again and again at La-Z-Boy Furniture Galleries.
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
4.0
Market Comparison
4.2
fees: 5.0
rewards: 0.0
cost: 4.0
APR: 4.5
3.6WalletHub Rating
WalletHub Rating
3.6
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
5.0
User Reviews
3.6
Market Comparison
3.4
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 4.5
2.9WalletHub Rating
WalletHub Rating
2.9
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.
Can't find what you are looking for? Submit your question about La-Z-Boy Furniture Galleries 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.
No, you cannot use your La-Z-Boy Furniture Galleries Credit Card anywhere you want, as you can only use it for purchases at La-Z-Boy Retail locations and online at la-z-boy.com. The La-Z-Boy Furniture Galleries Credit Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The La-Z-Boy Furniture Galleries Credit Card offers accountholders 0% for 12 months and has an annual fee of $0, so it might be worth getting for people who shop at La-Z-Boy often.
There is no disclosed starting credit limit for the La-Z-Boy Furniture Galleries Credit Card. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
If you're not satisfied with your starting limit, keep in mind that you can also ask to get a credit limit increase by calling customer service at (866) 419-4096. It's best not to ask more than once a year, though. The issuer...
After approval, the La-Z-Boy Furniture Galleries Credit Card will report your activity to the three major credit bureaus: Experian, TransUnion and Equifax.
It would probably be best not to wait more than a month to activate your card after you receive it, to avoid cancellation. Your new La-Z-Boy Furniture Galleries Credit Card will be available for purchases immediately after activation.
Share your insights and review for the La-Z-Boy Furniture Galleries Credit Card
5
55%
4
18%
3
9%
2
9%
1
9%
4.0
11 reviews
11 reviews
What's Your Rating?
Review sort
Laurie @jedevers
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5 Star Rating
Verified Customer
This loan is based on 0% interest for the term of the loan if paid in full at that time. My intention is to have the loan paid off at the end of the term and not before because this is relatively inexpensive money due to the fact that it is interest free.
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0
0
Brenda @brendaf_41
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2 Star Rating
Verified Customer
I have a zero percent interest and pay more than the monthly amount due every month. I have received three very high interest charges. I guess my due date is the 10th but I thought my amount owed each month was more than covered. They are trying to make up in late fees what they are losing by the zero percent because it will be paid off be the zero percent lapses.
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0
0
Deborha @deborhag
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5 Star Rating
Verified Customer
I applied for this car d so I could get some new furniture. It has 0% financing on certain dollar amounts and time ranges. I will continue to use this to furnish my home.
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0
0
Freddy @freddycantillo5
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1 Star Rating
Verified Customer
Synchrony bank is the worst bank ever. Why closing all my accounts with Synchrony credit cards. They said you can reoped a new account with us
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Comment
1
0
GLORIA @gloriajbeal
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3 Star Rating
Verified Customer
Great product. Happy with what I purchased. Synchrony Bank is the issuer. Lowered my limit and negatively impacted my overall rating. I'm well on the way to reducing this balance to next to nothing. As for returning to Lay-Z-Boy for additional purchases? Absolutely not.
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0
0
Merleena @merleena_davis
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5 Star Rating
Verified Customer
Great experience. No interest for 12 months. Easy app to monitor account from my phone. I was able to get a great new couch in a way that fit my budget
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Comment
0
0
Barry @barryt_23
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5 Star Rating
Verified Customer
I've been a customer of LAZY BOY for a long time. I will remain a customer of Lazy Boy until they give me a reason to leave. For now A+
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0
0
+ 4 WalletHub users submitted a rating without writing a full review
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: La-Z-Boy Furniture Galleries Credit Card
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