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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -85, or 1.3 on a 5-point rating scale.
-85
-1000+100
No one recommends
Everyone recommends
Ashley Furniture Credit Card Community Reviews
Would you recommend Ashley Furniture Credit Card to your friends?
U
Anonymous
Sep 9, 2023
May or may not recommend
I was never clearly told that if I did not pay off in the promo period, I would be charged interest on the full amount. I ended up paying $733 interest on a $2000 purchase. The Ashley salesperson did not clarify that to me. I could have easily paid off the full amount within one year. I will never do business with either.
FS
F S.
Sep 7, 2023
May or may not recommend
Do NOT get scammed by Synchrony/Ashley Furniture. They push you to get a credit card with Ashley Furniture under the notion that it is 0% interest but even though you make more than the minimum payment, which they set you will get slammed with a huge interest charge at the end of the promotional period because they do not allocate the funds correctly. I spoke to the rudest ...Show More
JT
Jane T.
Jul 12, 2023
May or may not recommend
Had a credit limit of 3000 closed my account! No late payments etc. paypal credit also, owned my synchrony! I just paid it off, they slashed my credit limit from 1500 to 230.00. I’m working on my credit and synchrony only hurts it!!! Also, no late payments etc!!! Paid it off, get punished!!!This company has done it to me twice!!! I’m seeking an attorney!
JT
Jessica T.
Mar 7, 2023
May or may not recommend
They randomly decreased my credit limit, which they're allowed to do, but to cut it over 70%? I went from a credit limit of 3,900 to 720, which tanked my credit score. With my credit score was down, They cut my credit limit again, from 720 to 68. I only bought one thing with this credit card and it was fully paid off. What am I gonna buy for $68? ...Show More
HB
Hala B.
Oct 15, 2022
May or may not recommend
Very bad customer service
Account Manager her name is Shanon
She hang off the phone on my face and didn’t help me at all
I need supervisor from financial specialist to call me as soon as possible and I emailed and call many times but with no response
Very bad bank , not helpful, even not having any communication
FM
Felicia M.
Mar 29, 2021
May or may not recommend
They charge so much in “security fees”, other fees, and interest. If you can’t pay it off quickly, you’re wasting money and paying DOUBLE.
Alyssa M.
Oct 20, 2020
May or may not recommend
They closed my account after 3 years even though I make double what I make and paid off student loans. Foolishness
SS
Sehr S.
Oct 6, 2020
May or may not recommend
The card has proved to be favorable in my case. I used it to purchase furniture for my home. I was able to get 18 months installments at 0% APR, which sounded like a good deal. Fortunately I was able to make timely payments and never got to pay the late payment fee of 38 dollars , which is quite high. For somebody who can keep track of ...Show More
Angela W.
Aug 28, 2020
May or may not recommend
After making the 1st 6 payments on time, my credit limit was reduced from $1800 to $1200 without notifying me in anyways. I was in the process of buying a home when my loan officer at the bank had called to tell me my credit score dropped 21 points because of this. These people do not care about people. They care about making a sale.
DR
Darrell R.
Apr 17, 2020
May or may not recommend
I received my Ashley credit card try to make a purchase but before I could they downgraded my card to $56 and shows the item I tried to purchase what's pending
DS
David S.
Apr 14, 2020
May or may not recommend
I bought furniture at Ashley Furniture in Aug 18. I paid around the same day of the month every month. For almost a year I notice nothing wrong with my account. Aug 19 my account looked different. Called Synchrony Bank. First, every CSR I have spoken to either cannot speak or understand English, or been American and rude as heck. After a whole year they tell ...Show More
Rene R.
Jan 28, 2020
May or may not recommend
I brought from Ashley Furniture store a Couch and a complete Twin Bed. I even purchased the warranty for the aforementioned items. Later the furniture had been infested with bed bugs. The store stated that is not covered by warranty. New Furniture infested with bed bugs that came from there storage facility in New Brunswick New Jersey. I refused to pay the remaining payments due on the account. Then they ...Show More
AM
April M.
Dec 17, 2019
May or may not recommend
I bought a coffee table there I had a warranty on it but when it started coming apart I called them and they wouldn’t fix it then I paid my coffee table off early and I was never late and then they closed my account they have a piece of Shit for furniture and they don’t know how to treat customers. Their furniture is trash I would never ever buy ...Show More
Showing 13 of 13 reviews
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