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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 -71%

SUPERMONEY NET RECOMMENDATION SCORE

-71%

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
6 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 7

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.

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.
  • 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.
Ashley Furniture Credit Card Pros & Cons
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.
Ashley Furniture Credit Card FAQ

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% .

Does Ashley Furniture Credit Card have an introductory APR offer on balance transfers?

Yes, Ashley Furniture Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.

Ashley Furniture Credit Card Balance Transfers
Description
Balance Transfer APR N/A
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 18
Balance Transfer Fee % N/A
Balance Transfer Fee Minimum N/A

Does Ashley Furniture Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.

Ashley Furniture Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 18

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.

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.

Availability

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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 18 months
No Annual Fee  
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
Credit Card Benefits Fraud Liability
Bonus Rewards No Interest for 18 Months^ — Online and In-store Can be combined with online discount offers. On qualifying purchases with your Ashley Advantage credit card. Equal monthly payments required for 18 months^. Online minimum purchase amount is $999; see store for minimum purchase details
Rewards Categories
  • Furniture
  • Retail
Cash Advance APR (Variable APR) 29.99%
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

-71%

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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