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Last Updated: 07/28/2025

Rooms To Go Credit Card

in Credit Cards from Synchrony Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Rooms To Go Credit Card logo
Mostly recommended5 total votes
3 users recommend
2 users don't recommend

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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

5

Speech bubbles icon

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

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.

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.

Rooms To Go Credit Card logo

Message from Rooms To Go credit card

Synchrony is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than $149 billion in sales financed and 75.5 million active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch.

At Rooms To Go, we know that buying furniture is an investment. That's why we offer a variety of payment options—including major credit cards and several flexible choices available online and in store. You can rest assured knowing that we offer options to pay for your furniture that fit your budget and preference.

Contact

Headquarters

777 Long Ridge Rd
Stamford, CT 06905
Visit Site
Email Support

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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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
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Rooms To Go Credit Card Community Reviews

Would you recommend Rooms To Go Credit Card to your friends?

MD

Merilyn D.

Jul 7, 2023

May or may 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

May or may not 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

May or may 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

May or may not 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

May or may not recommend

The Best store to bay furniture and good furniture that's nomber one

Showing 5 of 5 reviews

1 other review that is currently hidden

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