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Last Updated: 07/28/2025

Value City Furniture Credit Card

from Synchrony Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Value City Furniture Credit Card logo
Mostly not recommended6 total votes
1 users recommend
1 users are unsure
4 users don't recommend

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Highlights

Community Rating

Mostly 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

650 - 850

Annual Fee

N/A

Number of Reviews

6

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Value City Furniture Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Value City Furniture 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%
  • Fair or better credit required. You will have good approval odds if you have a fair credit score or better.

Pros & Cons of Value City credit card

Value City credit card FAQ

Does Value City 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 Value City credit card?

Overall, Value City credit card is mostly not recommended based on community reviews that rate customer service and user experience.

Does Value City Furniture Credit Card report your account activity to credit bureaus?

Yes, Value City Furniture 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, Value City 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 Value City credit card

  • Visit the website of Value City 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.

Value City Furniture Credit Card logo

Message from Value City credit card

Synchrony (NYSE: SYF) 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.

Our investments in technology across multiple platforms—in-store, online and mobile—allow us to engage consumers when and where they want. Our programs and tools strengthen the relationship between our business partners and their customers, driving growth and opportunity across the board.

You can shop with confidence knowing that no credit is needed and flexible payment plans are available, just pay as you go. Plus enjoy the flexibility of knowing you can own your furniture at any time with our early purchase options.

Securely manage and pay your bill through Synchrony. Access your plus account to view your balance, pay your bill online or update your information.

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 don't recommend this product, giving it a user recommendation score of -50, or 2 on a 5-point rating scale.

-50

-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.

Value City Furniture Credit Card Community Reviews

Would you recommend Value City Furniture Credit Card to your friends?

NH

Nicole H.

May 1, 2023

May or may not recommend

Absolutely horrible. I would tell everyone I can to not get this credit card. They lowered my credit line then added on all these fees and interest rates so it made me go over my credit limit so then they got to add on more fees! Never had this happen to me ever with any credit card. Never late making payments and they did this.

SM

Susan M.

Apr 2, 2022

May or may not recommend

Horrible experience, both in store applying for the card ( they approved me for just under my purchase amount, and refused to adjust the limit like many other banks do to accommodate your single purchase. The. Customer service didn’t speak fluent English on the phone or in chat , and one that did suggested I speak to a supervisor so to process the increase and complete the purchase ( ...Show More

Olivia K. avatar image

Olivia K.

Feb 24, 2022

May or may not recommend

I applied for value city credit card three years ago. My credit wasn’t the best but they gave me a $2000 limit. I purchased a couch, took advantage of the zero percent, and set to auto pay. I didn’t think much about it. They started sending emails and letters letting me know I had available credit and basically trying to get me to purchase something. I had no need. My ...Show More

BA

Brian A.

Dec 16, 2020

May or may not recommend

I used the Value City card to purchase new furniture with no interest for 18 months. I liked that I could spread the payments out over time and the payments were easy to make online and with autopay. I do not recommend continuing to use the card once the initial purchase has been paid off because of the high interest rates and lack of rewards associated with the card, so ...Show More

Ethel Q. avatar image

Ethel Q.

Oct 26, 2020

May or may not recommend

Great love value city. All my family shop here, i would like a credit card so i can get something else from your store.

DH

Deborah H.

Jul 24, 2020

May or may not recommend

Absolutely not! I am a Value City cc holder with Synchrony Bank as the issuer. I have Never missed a single payment and had a $1000.00 credit limit. Now that I have paid the account down to $100 they’ve pulled my credit and put my credit limit back down to $250.00 NEVER MISSED A PAYMENT! I called and spoke with an account manager about the decision to decrease the credit ...Show More

Showing 6 of 6 reviews

1 other review that is currently hidden

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