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Affordable Financing & Purchase Options | Mattress Firm
Sleep Experts Credit Card

Sleep Experts Credit Card

Applying is as easy as 1, 2, Zzz. Pay for your bed over time, so you have one less thing to lose sleep about.
Limited-Time Financing Offers.

No Interest with equal monthly payments for 72 months††

In-Store only on qualifying purchase of $5,999. Equal monthly payments required.

Everyday Promotional Offers.

Use your Sleep Experts credit card every day, at any location within the Mattress Firm family of brands, with no minimum purchase and pay over time.

0% Interest and $1 per Month for the first 3 months*

With 36-month financing. Then 33 higher equal monthly payments with no interest on purchases $1499+.

No Interest If Paid In Full Within 6,12 or 24 Months***

On qualifying purchases with your Sleep Experts credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required.

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††Offer available 1/31/24-3/5/24 with a minimum purchase of $5999 for 72 months or a minimum purchase of $3999 for 60 months at participating Mattress Firm stores only. Taxes and delivery fees must be paid upfront and cannot be charged to your Mattress Firm credit card; upfront payment of taxes and delivery fees will not reduce monthly payment or amount financed. Qualifying purchase is determined prior to taxes and delivery fees. 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. 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.

*0% APR: 3 years with a minimum purchase of $1499 on your Sleep Experts 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. 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. Visit a store for complete details.

***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.