American Home Furniture & Mattress Credit Card

American Home Furniture & Mattress Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether American Home Furniture & Mattress Credit Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.99%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of American Home Furniture & Mattress Credit Card

The Good	The Bad
No annual fee. Considers applicants with fair credit. American Home Furniture & Mattress Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

American Home Furniture & Mattress Credit Card FAQ

Does American Home Furniture & Mattress Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

• Furniture

What are the American Home Furniture & Mattress Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for American Home Furniture & Mattress Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

American Home Furniture & Mattress Credit Card has a variable purchase APR starting at 29.99% .

What are the fees for American Home Furniture & Mattress Credit Card?

The following fees apply:

American Home Furniture & Mattress Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$38
Late Payment Fee	$38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does American Home Furniture & Mattress Credit Card report your account activity to credit bureaus?

Yes, American Home Furniture & Mattress Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Home Furniture & Mattress Credit Card

• Visit the American Home Furniture & Mattress Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.