THE CARDTUNED DATABASE
Mattress Firm Credit Card
Issuer: Synchrony
Current page advertises 3% back with special financing on qualifying $1,999+ purchases; this is promotional, not a universal everyday rewards rate.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Promotional financing from 6 to 72 months on qualifying purchases; exact term and threshold depend on the offer
- Regular APR
- 34.99% purchase APR; 39.99% penalty APR; $2 minimum interest charge
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Current 3%-back promotion with special financing on qualifying purchases of $1,999+; financing terms range from 6 to 72 months
- Spending requirement
- $1,999+ for advertised 3% offer; other thresholds vary
- Time window
- 6–72 months
Offer last checked: 2026-09-09
Additional benefits
• Promotional financing options from 6 to 72 months
• Current 3%-back promotion on qualifying $1,999+ financed purchases
• Dedicated reusable credit limit for bedding purchases
• Convenient monthly payments
• Online account management
Restrictions to know
The 3%-back benefit is a limited promotion tied to qualifying $1,999+ purchases, not an everyday card earn rate. Financing term, product eligibility, minimum purchase and equal-payment/deferred-interest structure vary by offer; the checkout disclosure controls.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff