Full 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