THE CARDTUNED DATABASE
Sleep Number Credit Card
Issuer: Synchrony
No standard ongoing cash-back or points rate stated; value centers on Sleep Number promotional financing and Sleep Number Rewards store credit.
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Everyday 0% interest for 24 months on smart-bed purchases with the Sleep Number credit card; equal monthly payments required. Dated campaigns through 2026-09-28 are historical.
- Regular APR
- Published new-account terms as of 2025-07-31: purchase APR 34.99%, penalty APR 39.99%, $2 minimum interest; check the current agreement.
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
0% interest for 24 months on smart-bed purchases; equal payments
- Spending requirement
- Smart-bed purchase on one receipt
- Time window
- 24 months
- Published end date
- No public end date
Offer last checked: 2026-09-29
Additional benefits
• Everyday 0% interest for 24 months on smart-bed purchases; equal monthly payments required
• Dedicated credit limit for Sleep Number purchases
• Sleep Number Rewards issued as store credit under program terms
• Financing begins when products are delivered; early payoff without penalty
Restrictions to know
Qualifying purchase must be on one receipt; credit approval and equal monthly payments required. Other dated 2026-08-02–2026-09-28 campaigns are not current offers.
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