Ashley Furniture Credit Card Review

Ashley Furniture Credit Card 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 is everything you need to know to make a good choice.

• 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.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
• 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 stand a chance of qualifying if your credit score is not below 650.

The Good	The Bad
0% APR balance transfer intro rate on balance transfers for up to 18 months. No balance transfer fee. 0% APR on new purchases during the first 18 months. Ashley Furniture 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.

Is there a Ashley Furniture Credit Card cash back or rewards program?

No, Ashley Furniture Credit Card does not offer a rewards program.

What are the Ashley Furniture Credit Card benefits?

Ashley Furniture Credit Card provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Ashley Furniture Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Ashley Furniture Credit Card has higher than average purchase APRs.

Ashley Furniture Credit Card has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

What are the fees for Ashley Furniture Credit Card?

The following fees apply to Ashley Furniture Credit Card:

Ashley Furniture Credit Card Fees

Fees	Amount
Annual Fee
Late Payment Fee	$38

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

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.