This Ashley Furniture credit card review uncovers the benefits, advantages and drawbacks of this credit card from Synchrony Bank. In detail, you can find out about the card’s fees, interest rate, features, financing options, and required credit. Additionally, you may also get to know how to apply for this credit card. At the end of this page, you can leave your own review about the card.
Ashley Furniture Credit Card Review
This credit card is just another store branded credit card, issued by the Synchrony Bank for a furniture retailer. Even though more and more customers are getting this credit card, there are still reasonable doubts about whether it is worth to apply for it. Let’s discover the details of this card in our Ashley Furniture credit card review.
First of all, one has to say that this is a subprime (store) credit card, which means that it comes with a zero annual fee and an extremely high interest rate. Likewise, this credit card has quite low credit score requirements, which is quite beneficial. Yet, since this credit card is not a part of a major payment network (such as Visa or MasterCard), you can use it only in Ashley Furniture stores.
Same as the Rooms To Go credit card (another credit card, issued by Synchrony for a furniture store), this credit card doesn’t have cash back rewards or anything similar. Instead, it only offers its holders a special financing period on purchases at Ashley Furniture. Namely, you can take advantage of the following special financing options:
- For up to 6 or 12 months: no minimum purchase required; you can combine it with discount offers; you can use it both online and in store
- For up to 18 months: minimum purchase of at least $999 required; you can combine it with discount offers; you can use it both online in store
- Finally, for up to 72 months: minimum purchase required; you cannot combine it with discount offers; you can use it only in store.
Overall, the idea of getting this credit card might be smart if you are planning to make large purchases at Ashley Furniture. However, you must keep in mind that the penalizing APR of 29.9% will be applied to the entire sum, if you miss a payment or will not pay it off within the specified term. So, you should get this card only if you are sure you can pay it off on time. Otherwise, getting this card with such an extremely high APR is not reasonable.
Apart from that, the credit card doesn’t have much to offer. Indeed, Ashley Furniture promises access to extra discounts and special deals for the cardholders. However, there are no particular details on that matter, so it is hard to “quantify” this benefit.
Overall, it makes sense to get this credit card for free financing at Ashley Furniture. However, you must be extremely careful in order not to miss a payment on this card. If you just wish to get rewards for purchases at Ashley Furniture, you should look out for better credit cards (see below).
Apply for Ashley Furniture Credit Card
If, after all, you wish to get special financing at Ashley Furniture, you need to submit an online application. This is how you can apply for a credit card from Ashley Furniture and Synchrony Bank step by step:
- First of all, you should click on the following button and launch the website of Synchrony Bank:
- On that page, you should click on the yellow “APPLY TODAY” button – you can find it in the right-upper part of the page.
- Once you have done that, you will be redirected to the page with an application form. Start filling it out.
- At first, you must provide your first and last name, as well as your social security number. After that, click on the “Continue” button.
- On the next page, you should provide all the required personal and financial information. Once you are done with that, you should click on the “Continue” button.
- After that, you should select your credit card option on the next page. Then, click on “Continue.”
- Eventually, you will get to see the page with terms and conditions. So, you should read this information carefully and attentively. If you agree with it, check the boxes near “I agree…” and click on the “Continue” button.
- Right after doing so, you will get to see the result of your application. So, you will immediately know whether you have been approved for this credit card.
Ashley Furniture Credit Card Login
If you are already a cardholder and you have signed up for online access, that means that you can manage your credit card online. However, this also means that you must sign in to your card account online each time you wish to do that. In this part of our article, we will demonstrate you how to sign in to your card account online step by step.
- At first, you should enter the website of the Synchrony Bank by clicking here:
- On that page, you will get to see the white “YOUR ACCOUNT” text button, placed in the right-upper corner. So, click on that text button.
- Immediately after doing so, you will get to see a pop-up window there, containing the Ashley Furniture credit card login form. Basically, that’s the place where you can sign in to your account.
- At first, you have to enter the username of your online banking account in the first field there.
- Next, you should type your password in the next field.
- Additionally, you can check the box near “Remember User Name,” right after the “Password” field. In turn, that will allow you to save your username for later use.
- After all, you can finalize the login procedure by clicking on the “Secure Log In” button. If you have done everything right, you will be allowed to access your credit card account online in the next moment.
Ashley Furniture Credit Card Payment
As a matter of fact, there are three ways how you can pay your Ashley Furniture store card: online, by phone and by mail. Unfortunately, you cannot make a payment on this credit card in a store. In this part of our article, we will show you how to pay your card in any of the given ways in detail.
First of all, the most convenient way of paying your credit card from Ashley Furniture is online. In order to do that, you should stick to the guidelines above and sign in to your card account online. Then, you will be able to make a payment on your card right from there.
Another way of paying this card is doing so via a phone call. For that purpose, you should call 1-866-396-8254 and ask the operator to pay your credit card. After that, just follow the operator’s instructions and pay your card successfully.
After all, you may send your payment by mail. For that matter, you should use the address of Synchrony Bank:
Ashley Furniture HomeStore Advantage Card
P.O. Box 960061
Orlando, FL 32896-0061.
Credit Card Alternatives
If you would like to receive cash back rewards when making purchases at Ashley Furniture, you should look for a different credit card than the one we have reviewed in this article. Here, you can see several decent alternatives to this credit card from Ashley Furniture.
Chase Freedom Credit Card
Capital One QuicksilverOne
Discover It Secured Credit Card
Q: Who issues Ashley Furniture credit card?
As you could read in our review, Synchrony Bank issues credit cards for Ashley Furniture.
Q: Where can I use my Ashley Furniture credit card?
Since this credit card is not a part of such networks like MasterCard or Visa, it is natural that you can use this credit card only in Ashley Furniture stores and on the company’s website.
Q: What store can you use an Ashley Furniture credit card at?
As you can read above, you can use this credit card only at Ashley Furniture.
Q: What credit score is needed for Ashley Furniture credit card?
Actually, we recommend you to have a credit score of at least 650 (or fair) before applying for this credit card. Nonetheless, there have been reports of people with much lower credit being accepted by Synchrony.
Q: What are the credit requirements for an Ashley Furniture credit card?
First of all, you must be a U.S. resident and have a social security number in order to be eligible for this credit card. In terms of required credit, read about this in the answer to the previous question right above.
Q: How to apply for Ashley Furniture credit card?
In fact, you can submit your application online, on the website of Synchrony Bank. In order to see how to do it step by step, please refer to the “Application” section above.
Q: How to pay Ashley Furniture credit card?
Currently, there are three ways of paying your card from Ashley Furniture: online, by phone and by mail. In order to see how to do it in detail, please check our “Payment” part of the page above.
Q: How to cancel Ashley Furniture credit card?
If you wish to close your credit card from Ashley Furniture, you should call 1-866-396-8254 and ask the operator to cancel your credit card. Then, just stick to the instructions and close your current credit card.