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  Sleep Number Credit Card

Sleep Number Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

Sleep Number Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

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Highlights
Purchase APR  (Variable APR) Starting at 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $0

Sleep Number Credit Card Review

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

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 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.
Sleep Number Credit Card Pros & Cons
The Good The Bad
  • Up to 48 months of special financing.
  • No annual fee.
  • If the full balance is not paid within the special financing period, then the card holder will be charged interest retroactively for the full amount of the purchase(s).
  • 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 report to credit bureaus.
  • Does not include many credit card benefits.
Sleep Number Credit Card FAQ

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

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

What are the relevant APRs for Sleep Number 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. Sleep Number Credit Card has higher than average purchase APRs.

Sleep Number Credit Card has a variable purchase APR starting at 29.99% .

Does Sleep Number Credit Card have an introductory APR offer on balance transfers?

No, Sleep Number Credit Card does not come with an introductory APR offer for balance transfers.

Does Sleep Number Credit Card have an introductory APR offer on new purchases?

Sleep Number Credit Card does not offer an introductory rate on new purchases.
Sleep Number Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Sleep Number Credit Card?

The following fees apply to Sleep Number Credit Card:

Sleep Number Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $28
Late Payment Fee up to $39

How to apply for Sleep Number Credit Card

  • Visit the Sleep Number 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 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.

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

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee Up to $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Balance Computation daily balance
Purchase APR (Variable APR) Starting at 29.99%

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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