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  Ashley Furniture Credit Card

Ashley Furniture Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

Ashley Furniture Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score -75

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -75, equating to 1.5 on a 5 point rating scale.

-75

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

1 user recommends
0 users are unsure
7 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 840
Annual Fee N/A
Number of Reviews 8

Ashley Furniture Credit Card Review

This is a store credit card issued by Synchrony Bank. If you're wondering whether Ashley Furniture credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of $50 if you spend $2500.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Ashley Furniture credit card
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No balance transfer fee.
  • Ashley Furniture Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer rewards or cash back.
  • Does not include many credit card benefits.
Ashley Furniture credit card FAQ

Does Ashley Furniture credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Ashley Furniture credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Ashley Furniture 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. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%.

Does Ashley Furniture credit card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.

Ashley Furniture Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 18 months

Does Ashley Furniture credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Ashley Furniture credit card?

The following fees apply:

Ashley Furniture credit card Fees
Fees Amount
Annual Fee
Returned Payment Fee $28
Late Payment Fee $39

What is the customer service phone number for Ashley Furniture credit card?

The Ashley Furniture credit card customer service number is (866) 226-5638.

What is the support contact email for Ashley Furniture credit card?

The support contact email for Ashley Furniture credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Ashley Furniture credit card?

Overall, Ashley Furniture credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Ashley Furniture Credit Card report your account activity to credit bureaus?

Yes, Ashley Furniture 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 Ashley Furniture credit card

  • Visit the Ashley Furniture 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Synchrony Bank

Synchrony is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. At Synchrony, we work with thousands of businesses large and small, helping national chains and local merchants offer credit cards with the budget-friendly financing you need. Synchrony aims to make your credit card application fast and hassle-free.

Style your home now, pay over time. One easy application to find the best financing for you. Keep your Ashley Advantage Synchrony account up to date while you're on the go! Shop in the app with features such as visual search, delivery tracking and more...

Message From Our Editor

What we love about Ashley Advantage Card

If you plan to buy some furniture and you like Ashley Homestore, the Ashley Advantage™ Credit Card may be a good option because it doesn't charge an annual fee and allows you to style your home and pay over time. For instance, you may qualify for a 0% APR for an introductory period of up to 72 months.

Financing options through Ashley Advantage™ Credit Card vary depending on how much you spend and whether you buy online or in-store. The offers available vary, but here is a good example of what you can expect.

  • Online customers can qualify for 0% interest if you pay in full within 18 months with a minimum purchase of $999.
  • If you buy online, you can also qualify for 0% interest if you pay in full within 60 months with a minimum purchase of $1,499.
  • 0% interest if you pay in full within 72 months and buy in-store (qualifying purchases only).

These are great offers, but there is a big caveat to consider. Ashley Advantage™ Credit Card uses a deferred interest model. This means you don't have to pay any interest if you pay the balance in full within the agreed period. However, if you don't, you will have to pay the interest you would have incurred at the regular APR retroactively. This means your 0% APR can quickly become a 30% APR. Only enter these financing agreements if you are sure you can repay the debt on time.

Users with a 650 or higher credit score have a good chance of qualifying for the Ashley Advantage™ Credit Card. This card is issued by Synchrony Bank, which specializes in store-brand credit cards and cards for people with less than perfect credit. Note that although credit is an important factor, it's not the only thing Synchrony will look at when considering your application.

The Ashley Advantage™ Credit Card can also help build your credit as it reports to the three major credit bureaus — Equifax, Experian, and TransUnion.

What could Ashley Advantage Card do better?

Although there is a lot to love about this card (the 72-month 0% APR intro period stands out), there are also some important drawbacks to consider. The main disadvantages are that it has a very high APR (which can hurt if you miss a payment), and it can only be used in stores or online for Ashley HomeStore.  It's also worth highlighting how expensive the deferred interest can be if you finance a large purchase using the 0% APR intro offer and miss a payment.

Ashley Advantage Card backstory

The Ashley Advantage™ Credit Card is issued by Synchrony, which provides more than 120 store-branded cards. The Ashley HomeStore chain of furniture stores includes corporate-owned stores and independently owned stores with licenses to exclusively sell Ashley Furniture products. There are over 1,000 Ashley Furniture HomeStore retail furniture stores operating worldwide. 

The Verdict

If you are a frequent customer of  Ashley Homestores and are interested in financing your purchases with a 0% APR, you should consider this card, especially if you have less than great credit and don't qualify for other 0% APR intro offer cards. You can get up to 6 years to pay off large purchases, which is probably the longest 0% APR intro offer we have seen. However, make sure you are confident you will not miss any payments, or you will have to pay 29.99% APR instead. 

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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View all personal credit cards offered by Synchrony Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee $28
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
Signup Bonus $50
Purchase APR (Variable APR) 29.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 18 months
Card Type
  • Store Card
Card Network Other

Ashley Furniture Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -75, equating to 1.5 on a 5 point rating scale.

-75

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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