Last Updated: 07/28/2025
SuperMoney User Recommendation Score +20
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
Up to 29.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Rooms To Go Credit Card Review
This is a store card issued by Synchrony Bank. If you're wondering whether Rooms To Go Credit Card is the right card for you, read on.
Key Takeaways
- 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 will have good approval odds if you have a fair credit score or better.
Pros & Cons of Rooms To Go credit card
| The Good | The Bad |
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Rooms To Go credit card FAQ
Does Rooms To Go credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
How do people rate the customer service and user experience of Rooms To Go credit card?
Overall, Rooms To Go credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Rooms To Go Credit Card report your account activity to credit bureaus?
Yes, Rooms To Go 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, Rooms To Go 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 Rooms To Go credit card
- Visit the website of Rooms To Go 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 Rooms To Go credit card
Created by
Fact Checked by
Hours of Operation
Sunday8:00AM - 12:00AMMonday8:00AM - 12:00AMTuesday8:00AM - 12:00AMWednesday8:00AM - 12:00AMThursday8:00AM - 12:00AMFriday8:00AM - 12:00AMSaturday8:00AM - 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
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 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
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- 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
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.
+20
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Rooms To Go Credit Card Community Reviews
Would you recommend Rooms To Go Credit Card to your friends?
MD
Merilyn D.
Jul 7, 2023
Would not Recommend
My credit limit start out at $1000 in 1/2023. On time payments made before the due date. 6/30/2023 I receive a notice from Synchrony Bank (RTG) that they have dropped my credit limit to $560. DROPPING my credit score by 11 points. Reason being: Lack of a secured Real Estate Loan, Average time since opened to recent, Revolving to recent and an Inquiry! WHAT?
My credit was nit ...Show More
IF
Iryna F.
Oct 15, 2022
Would Recommend
I love my Rooms To Go credit card from Synchrony Bank, which I had for over 5 years now. Customer service is great, easy access and user friendly website. Affordable financing options for furniture every time you need something. Never had any problems. Would definitely recommend if you're looking to buy some furniture with credit card without paying tons of interest.
HK
Hailey K.
Oct 9, 2020
Would not Recommend
I would not recommend this credit card because of the high interest rates. This card also does not come with very many benefits or bonuses. Also with your purchases you do not earn any rewards. Though the credit score to obtain this credit card is at a normal rate, because of the reasons listed above I would not recommend this credit card.
EB
Elissa B.
Sep 18, 2020
Would Recommend
SynchronyBank is amazing! They are used to go through a lot of different credit cards. When I moved I had nothing and I wasn’t sure if I’d even get approved for a credit card but I got approved for a rooms to go credit card within minutes! It helps me immensely. They don’t have any hidden fees or charges with this credit card either. I would highly recommend!
JV
Jose V.
May 21, 2020
Would Recommend
The Best store to bay furniture and good furniture that's nomber one
Showing 5 of 5 reviews
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