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Mattress Firm Credit Card | Financing Options
Mattress Firm Synchrony HOME™ Credit Card
Special financing† can help make buying your perfect mattress simple.
Synchrony
On purchases of $3,299+. Equal monthly payments required for 72 months.
Get a decision in seconds with no impact to your credit bureau score.
Get started if you are ready to apply.
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.
6,12 or 24 months***

Get 3% Back^ on purchases of $1,999+
No interest if paid in full within the promotional period.

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.

Minimum Purchase in stores:
  • 6 and 12 Months: $0
  • 24 Months: $999

Purchase amount in online checkout:
  • 6 and 12 Months: $0 - $1,498.99
  • 24 Months: $999 - $1,498.99

Get 3% Back with up to 24 Months Special Financing on purchases of $1,999+ at participating Mattress Firm stores, online via chat or by phone from 7/30/25-1/27/26. Paid on a virtual or mailed Visa® Prepaid Card. Rebate form required.
36, 48, 60 or 72 months††

0% Interest

Equal monthly payments required.


Minimum purchase in stores:
  • 36 Months: $1,499
  • 48 Months: $2,499
  • 60 Months: $2,999
  • 72 Months: $3,299

Purchase amount in online checkout:
  • 36 Months: $1,499-$2,498.99
  • 48 Months: $2,499-2,998.99
  • 60 Months: $2,999-$3,298.99
  • 72 Months: $3,299+

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

Get started if you are ready to apply.

Synchrony Financing
Special financing available
everyday from 6-72 months.
See above
Synchrony
Online account management,
24/7 and user-friendly.
Synchrony
All Synchrony HOME™ Credit Cards accepted here!
Synchrony
A dedicated credit line to use again and again for your bedding needs.

Shop by Category

Sleepy's By Sealy® Spring Firm Mattress - King

Mattresses
Sleepy's Basics Easy Assembly Box Spring - Full

Box Springs & Bases
Bedding

Bedding & Pillows
Glenwillow Home Curta Upholstered Platform Bed Frame

Furniture & More

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

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