Mattress Firm Credit Card | Financing Options

Mattress Firm Synchrony HOME™ Credit Card

Special financing† can help make buying your perfect mattress simple.

On purchases of $3,299+. Equal monthly payments required for 72 months. Promo fee of 2% of amount financed will be included in monthly payments.

See if You Prequalify

Get a decision in seconds with no impact to your credit bureau score.

Apply Now

Get started if you are ready to apply.

Make Payment

Manage your account.

Choose a financing option that's best for you

Take advantage of financing and low monthly payments anytime. Financing provided by Synchrony Bank with approved credit.

6 or 12 Months***
No Minimum Purchase

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.

6 Month Minimum Purchase In-Stores: $0
12 Month Minimum Purchase In-Stores: $0

6 Month Purchase Amount in Online Checkout: $0 - $1,498.99
12 Month Purchase Amount in Online Checkout: $0 - $1,498.99

24 months***
$999 Minimum Purchase

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.

24 Month Minimum Purchase In-Stores: $999

24 Month Purchase Amount in Online Checkout: $0 - $1,498.99

36 Months*
$1,499 Minimum Purchase

No Interest and $1 per month for the first 3 months*then 33 higher equal monthly payments. Promo fee of 2% of amount financed will be included in monthly payments.

Minimum Purchase In-Stores: $1,499+

Purchase Amount in Online Checkout: $1,499-$2,498.99

48 months*
$2,499 Minimum Purchase

No Interest and $1 per month for the first 3 months*. Then 45 higher equal monthly payments. Promo fee of 2% of amount financed will be included in monthly payments.

Minimum Purchase In-Stores: $2,499+

Purchase Amount in Online Checkout: $2,499 - $2,998.99

60 Months^††
$2,999 Minimum Purchase

No interest with equal monthly payments. Promo fee of 2% of amount financed will be included in monthly payments.

Minimum Purchase In-Stores: $2,999+

Purchase Amount in Online Checkout: $2,999 - $3,298.99

72 Months^††
$3,299 Minimum Purchase

No interest with equal monthly payments. Promo fee of 2% of amount financed will be included in monthly payments.

Minimum Purchase In-Stores: $3,299+

Purchase Amount in Online Checkout & In-Stores: $3,299+

24 Months^†
$1,999 Minimum Purchase

Get 3% Back^ with up to 24 months. On purchases of $1,999+ at participating Mattress Firm stores, online via chat or by phone from 4/30/25-9/30/25. Paid on a virtual or mailed Visa® Prepaid Card. Rebate form required.

Minimum Purchase In-Stores: $1,999

Purchase Amount in Online Checkout: N/A

Get a decision in seconds with no impact to your credit bureau score.

Get started if you are ready to apply.

Special financing available
from 6-72 months. See Below

24/7, user-friendly online
account management

Financing options available every day, with convenient monthly payments

A dedicated credit line to use again and again for your bedding needs

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Mattresses

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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 71715
Philadelphia, PA 19176-1715