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  Sleep Experts Credit Card

Sleep Experts Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

Sleep Experts Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

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Highlights
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee N/A

Sleep Experts Credit Card Review

Sleep Experts Credit Card is a store credit card issued by Synchrony Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 600. If you're wondering whether Sleep Experts Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Sleep Experts Credit Card
Pros Cons
  • No Interest If Paid In Full Within 6 Or 12 Months on purchases with your Sleep Experts credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required.
    		•
  • High interest rates.
    		•

    Is there a Sleep Experts Credit Card cash back or rewards program?

    No, Sleep Experts Credit Card does not offer a rewards program.

    Sleep Experts Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Sleep Experts Credit Card benefits?

    Sleep Experts Credit Card provides the following benefits:

    • Fraud Liability
    • Reports to major credit bureaus

    What are the relevant APRs for Sleep Experts Credit Card?

    Sleep Experts Credit Card has a variable purchase APR of 29.99%.

    Does Sleep Experts Credit Card have an introductory APR offer?

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    Sleep Experts Credit Card Rates & Terms
    Description
    APR Type Variable APR
    Purchase APR 29.99%

    What are the Sleep Experts Credit Card fees?

    The following fees apply to Sleep Experts Credit Card:

    Sleep Experts Credit Card Fees
    Fees Amount
    Returned Payment Fee $28
    Late Payment Fee up to $39

    Does Sleep Experts Credit Card report your account activity to credit bureaus?

    Yes, Sleep Experts Credit Card reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    How to apply for Sleep Experts Credit Card

    • Visit the Synchrony Bank website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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.

    Contact

    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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    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) 12 months
    No Interest Grace Period for Late Payment 23 days
    Minimum Interest Charge $2
    Returned Payment Fee $28
    Late Fee Amount Up to $39
    Customer Type Personal
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    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 600 - 850
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    Purchase APR (Variable APR) 29.99%
    Card Type
    • Store Card
    Card Network Other

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