Last Updated: 07/28/2025
SuperMoney User Recommendation Score -85
Strongly not recommended13 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 840
Annual Fee
N/A
Number of Reviews
Ashley Furniture Credit Card Review
This is a store card issued by Synchrony Bank. If you're wondering whether Ashley Furniture Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- Signup bonus. Offers a signup bonus of up to $50.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.99%
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Ashley Furniture credit card
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Ashley Furniture Credit Card has a variable purchase APR of 29.99%. Ashley Furniture Credit Card does not offer balance transfers.
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 18 months.
| 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee of up to $39 . What is the customer service phone number for Ashley Furniture credit card?
The customer service number for Ashley Furniture credit card 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.
What is the login page for Ashley Furniture credit card?
You can access the login page of Ashley Furniture credit card here.
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 to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Ashley Furniture credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Ashley Furniture credit card
- Visit the website of Ashley Furniture credit card.
- 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 Ashley Furniture credit card
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.
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