City Furniture Credit Card Review

City Furniture Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether City Furniture Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

The Good	The Bad
No annual fee. City 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 City Furniture Credit Card cash back or rewards program?

No, City Furniture Credit Card does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the relevant APRs for City 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. City Furniture Credit Card has higher than average purchase APRs.

City Furniture Credit Card has a variable purchase APR of 29.99%.

What are the fees for City Furniture Credit Card?

The following fees apply to City Furniture Credit Card:

City Furniture Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$38

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

Yes, City 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 City Furniture Credit Card

• Visit the City 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.