Mattress Firm Credit Card | Financing Options
Mattress Firm Credit Card
Special financing can help make buying your perfect mattress simple.
Look forward to it:
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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 for your bedding needs
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LIMITED-TIME FINANCING OFFERS

These financing options are only available for a limited time on your Mattress Firm credit card. No matter which you choose, you’ll get unbelievable value at an unbelievable price. Find a financing option that works perfectly for your budget and your bedroom.
0% Interest For:
3 Years*
4 Years*
5 Years*
Minimum Purchase
$1,099
$1,999
$2,049
Offer Valid
3/10/21 - 5/4/21
3/10/21 - 5/4/21
3/10/21 - 5/4/21
Equal Monthly Payments for:
36 Months
48 Months
60 Months

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. And there's no interest if paid in full within 6, 12 or 24 months‡. But remember, on purchases with your Mattress Firm credit card, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12 or 24 months. Minimum monthly payments required. Financing provided by Synchrony Bank with approved credit.
Promotional Period:
6 Months‡
12 Months‡
24 Months‡
Minimum Purchase
$0
$0
$999
Offer Valid
24/7/365
24/7/365
24/7/365
†Subject to credit approval. Minimum monthly payments required. See store for details.

0% APR: 5 years* with a minimum purchase of $2049, 4 years* with a minimum purchase of $1999, 3 years* with a minimum purchase of $1099 on your Mattress Firm credit card. 60, 48, or 36 equal monthly payments required. *Offer valid 3/10/21-5/4/21 and applies only to single-receipt qualifying purchases. No interest will be charged on promo purchase and equal monthly payments are required equal to initial promo purchase amount divided equally by the number of months in promo period until promo is paid in full. The equal monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional 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 should see their credit card agreement for their applicable terms. Subject to credit approval.

‡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. New Account APR is 29.99%/Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.