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Mattress Firm
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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 6-60 months
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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
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All Synchrony HOME™ Credit Cards accepted here!
BETTER SLEEP
FOR $1 A MONTH*
for the first 3 months with 36-month financing. Then pay 33 higher equal monthly payments with no interest on purchases of $999+.
Better Sleep for $1 a month

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
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.
6 Months $0
12 Months $0
24 Months $0
No Interest and $1 per month for the first 3 months*
Then 33 higher equal monthly payments
36 Months $999

No Interest
with Equal Monthly Payments for 48, 60 months**
48 Months $1499
60 Months $1999

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
†Subject to credit approval. Minimum monthly payments required. See store for details.

*0% APR: 3 years with a minimum purchase of $999 on your Mattress Firm or any Synchrony HOME credit card. 36 monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged and 36 monthly payments will be required on promo purchase until it is paid in full. For the first 3 months, the monthly payment will be equal to $1. For the next 33 months, a higher monthly payment will be required equal to any remaining promo purchase balance divided by the number of months remaining in the applicable promo period, rounded up to the next whole dollar. Except for the first 3 months, these payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. Down payment equal to sales tax and delivery may be required at point of purchase. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer not valid on previous purchases. See a Sleep Expert® in-store, call (877) 316 - 1269 or chat online for complete details. Offer subject to change.

** 0% APR 5 years with a minimum purchase of $1999, 4 years with a minimum purchase of $1499 on your Mattress Firm or any Synchrony HOME credit card. 60 or 48 equal monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase 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.


***No interest will be charged on the promo balance (including tax and delivery) 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. For new accounts: Purchase 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.



Text MATTRESS to 766693 to receive text alerts on exclusive savings and more