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Last Updated: 07/28/2025

Sleep Number Credit Card

Q: Does Sleep Number credit card have a cash back or rewards program?

No, it does not offer a rewards program. Zero fraud liability, and Reports to major credit bureaus

from Synchrony Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Strongly not recommended5 total votes

5 users don't recommend

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Highlights

Community Rating

Strongly not recommended

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

N/A

Annual Fee

Number of Reviews

Sleep Number Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Sleep Number Credit Card is the right card for you, read on.

Key Takeaways

APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 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.

Pros & Cons of Sleep Number credit card

The Good

The Bad

Up to 48 months of special financing.
No annual fee.
Sleep Number Credit Card reports to multiple credit bureaus.

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.

Sleep Number credit card FAQ

Does Sleep Number credit card have a cash back or rewards program?

No, it does not offer a rewards program.

Sleep Number credit card Rewards Breakdown

Description

Zero fraud liability
Reports to major credit bureaus

What are the relevant APRs for Sleep Number credit card?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.

Sleep Number Credit Card has a variable purchase APR of 29.99%. Sleep Number Credit Card does not offer balance transfers.

Does Sleep Number credit card have an intro APR offer on balance transfers?

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

Does Sleep Number credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Sleep Number credit card?

Sleep Number Credit Card Fees

Description

Returned Payment Fee

$28

Annual Fee

No Annual Fee?

Late Fee Amount

Up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Sleep Number credit card?

The customer service number for Sleep Number credit card is (866) 226-5638.

What is the support contact email for Sleep Number credit card?

The support contact email for Sleep Number credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Sleep Number credit card?

Overall, Sleep Number credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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

Yes, Sleep Number 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 Number 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 Number credit card

Visit the website of Sleep Number 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 Sleep Number credit card

As an FDIC-insured online bank, we’re unburdened by the expense of traditional brick-and-mortar branches. That means we can pass those savings on to our customers through our market-leading rates. We’re a part of Synchrony—a Fortune 500 company that’s been helping consumers reach for what’s important for more than 80 years. We’re also the leading provider of private-label credit cards in the United States, so we might already be in your wallet supporting one of your favorite retailers.

the best sleep of your life at an affordable price with great financing. Fill out a short online application. You don't need to select a bed before you apply. After you submit your application, you'll recieve a credit decision right away. Once approved, we’ll provide you with your account number (print or write down and keep safe) so you can use today at checkout when you shop online, in store or over the phone.

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 don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.

-100

-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.

Sleep Number Credit Card Community Reviews

Would you recommend Sleep Number Credit Card to your friends?

Marjorie C.

Jan 17, 2024

May or may not recommend

This is a corporate greedy monster!!!!!! Accept only a mailed statement to stay on top of the game!!!!!!

Anonymous

Jun 27, 2023

May or may not recommend

Was approved for the Sleep Number Synchrony Card with a credit Limit of $8100 which was not quite enough to pay for our bed and the mattress protector for the warranty and a set of sheets so we also paid money out of pocket. While waiting for our bed to be delivered 3 1/2 weeks later we receive a letter stating that they reviewed our account and now have adjusted ...Show More

Capri R.

Jun 24, 2023

May or may not recommend

Continuously lower my credit limit by half every 6 months. So it always shows that I have 90% of the balance remaining. Hurting my credit score!!

Anonymous

Jul 28, 2022

May or may not recommend

This is the worst company to work with. I was constantly getting late charges even though my statements showed payments were on time. I got several notices that my payments weren't going through even though my bank showed they were put through on time. I tried to resolve matters through the call center but the reps have a script they go by and there is a huge language barrier. When ...Show More

Heather N.

May 12, 2022

May or may not recommend

My daughter's fiance gave her some bad financial advice and convinced her to get a sleep number credit card as a way to build credit. She didn't have bad credit, she just had minimal credit history. Besides the outrageous interest rate, offering a credit card instead of a personal line of credit does a great disservice to sleep number's customers. Prepare to see your credit score plummet ...Show More

Showing 5 of 5 reviews