Credit Cards

The Mattress Firm credit card full review

Do you need to update your mattress and need to finance it? The Mattress Firm credit card can be a good option for you. So, read more to see our full review!

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by Victória Lourenço

09/29/2021 | Updated on 10/25/2021

The Mattress Firm credit card

Find out more about the Mattress Firm credit card in our full review! Source: Matress Firm
Find out more about the Mattress Firm credit card in our full review! Source: Matress Firm

The Mattress Firm credit card is a card offered by Mattress Firm, a company that sells mattresses, founded in 1986. This credit card can be great for those who need to update their mattress and have it financed with good prices with a card with no annual fee.

This credit card is issued by Synchrony Bank, which is a bank that can approve you for credit cards even if you are someone who has debts and not so good credit score. However, this credit card can have some downsides, like the fact that you can only use it at the Mattress Firm store. So, if you want to know more about this credit card, keep reading our full review!

How do you get the Mattress Firm card?

Are you looking for a credit card to buy a brand new mattress? If so, the Mattress Firm card can help you! Read more to know how to apply!

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How does The Mattress Firm credit card work?

This card offers a $0 annual fee! Source: Gettyimages
This card offers a $0 annual fee! Source: Gettyimages

As a cardholder, you can get the chance to finance your mattress or any related purchase made at the Mattress Firm store. Also, you can benefit from the zero-dollar annual fee. And you can benefit from the fact that this card sends credit reports to the 3 major credit bureaus.

The Mattress Firm card benefits

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Pros

  • This card does not charge fees when you open a new account.
  • The credit card company accepts people with bad credit scores.
  • This credit card is valid for the period you use the card.

Cons

  • Applying for this card can make your score decrease a bit because the credit card company performs a hard inquiry to know about your score.
  • This card charges very high-interest fees.

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Should you get a Mattress Firm card?

See if you should get this credit card. Source: Gettyimages
See if you should get this credit card. Source: Gettyimages

If you really need to buy mattresses or related products, such as other bedding products, this credit card can be a good fit for you. However, consider that you will have a hard inquiry in your score. Also, you will need to pay high fees if you don’t have the money to make your monthly payments in time.

So, if you are not sure if you can make your payments on time, maybe consider another credit card that can accept you even if you have low credit. But, if you can pay for the fees and your monthly payment, you can consider getting this credit card.

How good does your credit score need to be?

To get this card, you do not need a very high credit score. You can have a chance to get accepted in your application even if you have a poor or fair score. So, we recommend that you have a credit score of at least 400 points to get this credit card.

How to apply for The Mattress Firm credit card?

It can be easy to apply for this credit card, and you can do it all online. If you liked this card’s features and think you fit the profile to get it, we can help you apply. So, read our post below to know how to get this card!

How do you get the The Mattress Firm credit card?

Are you looking for a credit card to buy a brand new mattress? If so, the Mattress Firm card can help you! Read more to know how to apply!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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