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Mattress Firm Credit Card | Financing Options
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Special financing† can help make buying your perfect mattress simple.
Get a decision in seconds with no impact to your credit bureau score.
Get started if you are ready to apply.
Manage your account.
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Special financing available
from 6-48 months. See Below
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24/7, user-friendly online
account management

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Financing options available every day, with convenient monthly payments
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A dedicated credit line to use again and again for your bedding needs

LIMITED-TIME FINANCING OFFER

Financing Offer
Promotional Period
Minimum Purchase In Stores
Purchase Amounts In Online Checkout
Get 3% Back^ with up to 12 Months Special Financing
On purchases of $1,599+ at participating Mattress Firm stores, online via chat or by phone from 1/31/24-3/5/24. Paid on a Visa® Prepaid Card by mail. Rebate form required.
Promotional Period
12 Months
Minimum Purchase In Stores and ONline via Chat
$1,599+
Offer Valid
N/A
No Interest with Equal Monthly Payments for 60 Months††
In-Store only from 1/31/24-3/5/24 on qualifying purchases of $3,999. Equal monthly payments required.
Promotional Period
60 Months††
Minimum Purchase In Stores and ONline via Chat
$3,999+
Offer Valid
N/A
No Interest with Equal Monthly Payments for 72 Months††
In-Store only from 1/31/24-3/5/24 on qualifying purchase of $5,999. Equal monthly payments required.
Promotional Period
72 Months††
Minimum Purchase In Stores and ONline via Chat
$5,999+
Offer Valid
N/A

Get a decision in seconds with no impact to your credit bureau score.

Get started if you are ready to apply.

OUR EVERYDAY PROMOTIONAL OFFERS

No matter how much you plan to spend, these financing offers will always be available. Take advantage of financing and low monthly payments anytime. Financing provided by Synchrony Bank with approved credit.

Financing Offer
Promotional Period
Minimum Purchase In Stores and Online via Chat
Purchase Amounts In Online Checkout
No Interest If Paid in Full within Promotional Period of 6, 12 or 24 months***
Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Promotional Period
6 Months
12 Months
24 Months
Minimum Purchase In Stores and Online via Chat
$0
$0
$0
Purchase Amounts In Online Checkout
$0 - $1,498.99
$0 - $1,498.99
$0 - $1,498.99
No Interest and $1 per month for the first 3 months*
Then 33 higher equal monthly payments
Promotional Period
36 Months
Minimum Purchase In Stores and Online via Chat
$1,499
Purchase Amounts In Online Checkout
$1,499+
No Interest with Equal Monthly Payments for 48 months**
Promotional Period
48 Months
Minimum Purchase In Stores and Online via Chat
$2,499
Purchase Amounts In Online Checkout
N/A

Get a decision in seconds with no impact to your credit bureau score.

Get started if you are ready to apply.

Frequently Asked Questions

What is the Mattress Firm Synchrony HOME Credit Card?

We offer customers a credit card through Synchrony Bank with a revolving credit limit to use again and again everywhere the Mattress Firm Synchrony HOME Credit Card is accepted, including our locations.*
*Subject to credit approval.

How do I apply for a Mattress Firm Synchrony HOME Credit Card?

You can apply for a Mattress Firm Synchrony HOME Credit Card online or at any of our store locations.
Apply online now

Where do I check the status of my account?

To check the status of your Mattress Firm Synchrony HOME Credit Card account, click on the Manage My Account link to go to the Synchrony Bank website. After logging into your account, you will be able to:

• Make a payment

• View your balance

• Update your account information

• Schedule up to 12 future payments

How can I make a payment on my Mattress Firm Synchrony HOME Credit Card?

There are three convenient ways to pay your bill.

Pay Online: Click here to manage your account and make payments online.

Pay by Phone: Contact Synchrony Bank Customer Service 1-844-335-5909 during the hours listed below to make a payment by phone.

Monday – Sunday 7:30 am to 12:00 midnight EST

Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

Synchrony Bank

PO Box 960061

Orlando, FL 32896-0061
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All Synchrony HOME™ Credit Cards accepted here!
^TERMS AND CONDITIONS OF OFFER. Offer available 1/31/24-3/5/24 at participating Mattress Firm stores, online via chat or by phone. Subject to credit approval. 3% back on net purchases (purchases minus returns and adjustments) will be paid in the form of a Synchrony Visa Prepaid Card by mail after the following offer requirements are satisfied: (1) you make a qualifying purchase on a Mattress Firm or Synchrony HOME credit card, (2) the qualifying purchase is delivered, and (3) you submit the requested rebate information and documentation. Rebate form must be submitted online or by mail postmarked by 4/5/24. Qualifying purchase amount must be on one receipt. One rebate per qualifying purchase. Maximum rebate of $500 per customer. The Visa Prepaid Card will be sent to your U.S. mailing address within 8 weeks after all the offer requirements are satisfied. If the Visa Prepaid Card is not received after 8 weeks, call 1 (866) 419-4001 or visit mattressfirm.sendmyrewards.com to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 6/5/24 or all rights hereunder will expire. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. The Visa Prepaid card cannot be used to make payments on the Mattress Firm Credit Card.

Synchrony Visa Prepaid Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used everywhere Visa debit cards are accepted. The funds associated to this Card expire 6 months from the activation date. After the expiration date, you will not be able to use this Card, and any remaining Card funds will revert and be returned to the promotional provider. Card terms and conditions apply. The Mattress Firm credit card is not a Pathward product or service nor does Pathward endorse this offer. Not valid on previous purchases.  See Sleep Expert for details.

†No Interest If Paid In Full Within 6 or 12 Months on qualifying purchases with your Mattress Firm or Synchrony HOME credit card.  Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months.  Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change.
Tap into more savings! Text MATTRESS to 766693 to get text alerts for online exclusives & more. Text STOP to cancel. Msg & data rates may apply.
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