The Mattress Firm Credit Card, issued by Synchrony Bank, offers promotional financing options for shoppers who want to spread out payments on a new mattress. It’s a convenient option if you’re planning a larger purchase and prefer not to pay upfront.
But like any credit product, getting approved depends on more than just your credit score. Lenders will also consider your income, debt levels, and payment history.
Recommended Credit Score for the Mattress Firm Credit Card
Most applicants approved for the Mattress Firm Credit Card have a credit score of 630 or higher. This falls into the “fair” credit range, and while it may qualify you, approval is never guaranteed.
Synchrony Bank will also look at your full credit profile, including your history of on-time payments, credit utilization, and any recent applications for credit. A higher score, paired with steady income and low debt, can help improve your chances.
How to Get Ready Before You Apply
Here are a few steps that can help you improve your odds of getting approved:
Review Your Credit Reports
Get your reports from Equifax, Experian, and TransUnion. Look for outdated or inaccurate information, and dispute anything that’s incorrect.
Lower Your Credit Utilization
Keep your balances below 30% of your total credit limit. This tells lenders you’re managing your available credit responsibly.
Avoid New Credit Applications
Applying for multiple credit cards or loans in a short period can hurt your score. Limit hard inquiries by spacing out applications.
Pay Bills On Time
Your payment history carries the most weight in your credit score. Make sure everything—credit cards, utilities, loans—is paid on time.
Fix Your Credit Before You Apply
If your credit score is below 630 or you’re dealing with negative marks like late payments, collections, or charge-offs, now’s the time to fix them. Credit Saint helps clients challenge inaccurate or outdated items on their credit reports.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started. If you want a better shot at qualifying for the Mattress Firm Credit Card, visit their website and take the first step today.
Other Ways to Finance a Mattress Purchase
If you don’t qualify for the Mattress Firm Credit Card, consider these alternatives:
Layaway plans – If you want to avoid debt altogether, some stores let you pay in installments before taking your mattress home.
Store financing – Some retailers offer payment plans that don’t rely on a traditional credit card.
Personal loans – Depending on your credit, a personal loan may offer better rates than store credit.
