Last Updated: 07/28/2025
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Highlights
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
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 |
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Is there a Sleep Experts Credit Card cash back or rewards program?
No, Sleep Experts Credit Card does not offer a rewards program.
| 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.
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| Purchase APR | 29.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APR Type | Variable APR | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the Sleep Experts Credit Card fees?
The following fees apply to Sleep Experts Credit Card:
| Fees | Amount |
| Returned Payment Fee | $30 |
| Late Payment Fee | up to $41 |
Does Sleep Experts Credit Card report your account activity to credit bureaus?
Yes, Sleep Experts 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, Sleep Experts 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 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.
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