Mattress Firm Credit Card | Financing Options (2024)

MattressFirm.com is wholly owned and operated by Mattress Firm, Inc., 3250 Briarpark Dr., Suite 400 Houston, TX 77042- Copyright 2024by MattressFirm.com, a Mattress Firm, Inc. Company All rights reserved.

1Sale valid 10/2/24-10/22/24. Savings applied to our low price. Offer valid only on models indicated and while supplies last. Not valid on previous purchases. Visit a store or see mattressfirm.com for complete details.

2Offer valid 10/2/24–10/22/24. Savings applied to our low price. Savings vary by product and model (max savings up to $600 off).  Offer valid only on models indicated, selection varies by store and while supplies last. Offer not valid on previous purchases, flo

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††Offer available 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. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. Qualifying purchase amount must be on one receipt. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. 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. For New Accounts: As of 7/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change.

^TERMS AND CONDITIONS OF OFFER. Offer available 10/2/24-12/10/24 at participating Mattress Firm stores, special events, online via chat or by phone . Subject to credit approval. 3% back on net purchases (purchases minus returns and adjustments) will be paid in the form of a Synchrony Visa Prepaid Card by mail after the following offer requirements are satisfied: (1) you make a qualifying purchase on a Mattress Firm or Synchrony HOME credit card, (2) the qualifying purchase is delivered, and (3) you submit the requested rebate information and documentation. Rebate form must be submitted online or by mail postmarked by 1/10/25. Qualifying purchase amount must be on one receipt. One rebate per qualifying purchase. Maximum rebate of $500 per customer. The Visa Prepaid Card will be sent to your U.S. mailing address within 8 weeks after all the offer requirements are satisfied. If the Visa Prepaid Card is not received after 8 weeks, call 1 (866) 419-4001 or visit mattressfirm.sendmyrewards.com to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 3/25/25 or all rights hereunder will expire. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. The Visa Prepaid card cannot be used to make payments on the Mattress Firm Credit Card.​

​Synchrony Visa Prepaid Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used everywhere Visa debit cards are accepted. The funds associated to this Card expire 6 months from the activation date. After the expiration date, you will not be able to use this Card, and any remaining Card funds will revert and be returned to the promotional provider. Card terms and conditions apply. The Mattress Firm credit card is not a Pathward product or service nor does Pathward endorse this offer. Not valid on previous purchases.  See Sleep Expert for details.​

†No Interest If Paid In Full Within 6, 12 or 24 Months on qualifying purchases with your Mattress Firm or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12 or 24 months. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. 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. For New Accounts: As of 7/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. 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 Mattress Firm or any Synchrony HOME credit card. 36 monthly payments required. Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required m

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** 0% APR: 4 years with a minimum purchase of $2499 on your Mattress Firm or any Synchrony HOME credit card. 48 equal monthly payments required. A promo fee, equal to 2% of the amount financed on your Mattress Firm Credit Card at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly paym

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***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. For New Accounts: As of 7/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change. Select promotions may display in online checkout. All promotions are available in store, phone and via chat

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.

Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

Mattress Firm Credit Card | Financing Options (2024)
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