Mattress Firm Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Mattress Firm Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APRDeferred interest
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.
Mattress Firm Credit Card has a rating of 2.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Mattress Firm 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, Mattress Firm Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 2.8/5 for APR, and 3.6/5 for User Reviews. Info about the Mattress Firm 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
3.6/5
13 reviewsRead and write reviews
Market Comparison
Market Comparison
2.8
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
2.5
APR
2.8
2.8/5
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 6 - 48 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Mattress Firm Credit Card's Additional Info
Limited time offer – Receive 3% cash back on a Visa® Prepaid Card by mail with Equal Monthly Payment Financing: 0% APR for 12 months on purchases of at least $1,599. At participating Mattress Firm stores, online via chat or by phone.
Deferred Interest Details: No Interest if paid in full within 6 or 12 months with no minimum purchase required.
Deferred Interest Details: No Interest if paid in full within 24 months on a minimum purchase of at least $999.
Equal Monthly Payment Financing: Pay $1 per month for the first 3 months then 33 higher equal monthly payments on purchases of at least $1,499.
Equal Monthly Payment Financing: 0% APR for 48 months.
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
3.6
Market Comparison
2.8
fees: 5.0
rewards: 0.0
cost: 2.5
APR: 2.8
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 "Earn Rewards." 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
4.2
Market Comparison
4.3
fees: 5.0
rewards: 4.1
cost: 4.5
Other Features: 0.0
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.
Can't find what you are looking for? Submit your question about Mattress Firm 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 get a cash advance with your Mattress Firm Credit Card. The Mattress Firm Credit Card can only be used for purchases and only at Mattress Firm, as well as everywhere else Synchrony Home credit cards are accepted.
The fact that Mattress Firm Credit Card cash advances are not an option might be a blessing in disguise. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. There may also be ATM-owner fees, depending on where you get the cash advance.
No, you cannot get the Mattress Firm Credit Card with a co-signer. In fact, most major card issuers have stopped allowing cosigners on credit card applications. However, it is possible to add authorized users or joint accountholders, which are a bit different from co-signers.
Other Ways to Get the Mattress Firm Credit Card
Create a joint account. When applying for the Mattress Firm Credit Card, you have the option to add a joint applicant. If approved, the co-applicants will share equal responsibility for...
Share your insights and review for the Mattress Firm Credit Card
5
38%
4
31%
3
8%
2
0%
1
23%
3.6
13 reviews
13 reviews
What's Your Rating?
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Dedric Tolbert @dedrictolbert
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1 Star Rating
Synchrony is the worst, period. Their cards all have different criteria. My account started with a $6,000 limit, then they dropped me down to a $930 limit because I have no real estate on my credit report and I have high balances on four of my credit cards due to medical expenses. I have 17 cards, which is too many, and I carry zero balances on 10 of them. I paid off the card after they dropped my limit. They recently closed my account due to my "credit worthiness," stating the high balances and no real estate on my credit report, which has nothing to do with them. They did the same thing with my CareCredit Card, and I closed that account as well. I decided to give them another chance and bam, they got me yet again. Synchrony is the only bank that does this. I have credit union credit cards, Capital One credit cards, department store credit cards, and American Express credit cards. My best advice is to just stay away from Synchrony. They will stalk your credit report, looking for the slightest dip in your credit score.
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Dustin @dustin_newman
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5 Star Rating
Verified Customer
Howell Furniture has been extremely helpful and always have had great zero percent interest deals allowing expensive furniture to become inexpensive
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td_crain @td_crain
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1 Star Rating
Synchrony Bank pulled credit report for which i too pulled from AnnualCredit Report.com on the same day---Synchrony Bank declined me stating my credit report contained a number of negative issues. However, the same credit report I pulled has no negative issues. My credit score is actually very good, but Synchrony Bank stated in their letter that it was 300+ points lower than what TransUnion actually has calculated. Yes, I am in the processes of having an attorney look into Synchrony Bank's unethical, if not illegal, practices. Don't fall for any credit cards associated with Synchrony Bank---you will regret it.
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Carole @carolec_17
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5 Star Rating
Verified Customer
I have nothing to say at this time = the experience was positive. Delivery was positive as well. Would consider purchasing with this service again.
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James Arsineau @jamesa_100
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1 Star Rating
Verified Customer
serves very bad box spring came rip had to send back 3 times i send every thing back not worth the money they wanted will not buy from them again they were very rude they had there kids there jumping all over the mattress very bad serves card was o.k. have nothing again them
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Ronald Trentham @ronaldt_114
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5 Star Rating
Verified Customer
Card was great but simply put...don’t buy a mattress from mattress firm. The mattress I bought was very bad and needed turning twice a week. No help from mattress firm, management was very rude and lied about my purchase.
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+ 7 WalletHub users submitted a rating without writing a full review
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