WalletHub Rating
3.6/5
Sleep Number Credit Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing Sleep Number Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, Sleep Number Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.9/5 for Cost, 3.2/5 for APR, and 3.1/5 for User Reviews.Info about the Sleep Number Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.1/5
39 reviewsRead and write reviews
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
3.9
APR
3.2
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% - 5.99% intro APR for 12 - 60 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Sleep Number Credit Card's Additional Info
Limited time offer - Deferred Interest Details: No interest if paid in full within 12 months on select qualifying purchases.
Limited time offer - Equal Monthly Payment Financing: 0% APR for 36 months on select qualifying purchases.
Limited time offer - Fixed Rate Financing: 5.99% for 60 months on select qualifying purchases.
show more
Learn More
at Synchrony Bank's secure site
Sleep Number Credit Card Pros & Cons
No membership fees
Qualify with fair credit
No rewards
High regular APR
Compare The Sleep Number Credit Card vs. Popular Alternatives
 Sleep Number Credit Card |  Prime Visa |  Costco Anywhere Visa® Card by Citi |
|---|---|---|
3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.1 Market Comparison 3.6 fees: 5.0 rewards: 0.0 cost: 3.9 APR: 3.2 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.3 fees: 5.0 rewards: 4.1 cost: 4.5 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% - 5.99%for12 - 60 months | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR29.99% | Regular APR19.49% - 27.49% (V) | Regular APR20.49% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Sleep Number Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Upvotes
Can I use my Sleep Number Credit Card anywhere?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
No, you cannot use your Sleep Number Credit Card everywhere, as you can only use it for purchases at Sleep Number locations and their online stores. This is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Sleep Number Credit Card offers accountholders special financing offers of 0% - 5.99% intro APR for 12 - 60 months. The card also has a $0 annual fee. So, it might be worth getting for people who shop at Sleep Number often.
Upvotes
How do I cancel my Sleep Number Credit Card?
Reply
John Miller, Credit Cards Moderator
@john_miller
You can cancel your Sleep Number Credit Card at any time from your online account or by calling customer service at (800) 250-5411.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Sleep Number Credit Card.
It's important to know that when...
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Sleep Number Credit Card Reviews
Share your insights and review for the Sleep Number Credit Card
5
38%
4
8%
3
13%
2
8%
1
33%
3.1
39 reviews
39 reviews
What's Your Rating?
Most Recent
Kevin J
@kevinlj0825
1 Star Rating
Synchrony is the worst! They give you a decent limit for purchasing a mattress, but if you don't use the card again within six months, they close your account and ruin your credit. I tell people I know not to get any Synchrony cards because of their poor practices!
Comment
1
Timothy
@gtr2018
5 Star Rating
New to this financial institution, but seems pretty awesome. 12 months, interest free which is great. This company seems to be Very promising I look forward to doing business with them.
Comment
Judy Horton
@jhorton619
4 Star Rating
It's on a payoff by a certain date. I didn't have a good experience with them. I did get the issue resolved before my time was up
Comment
Samuel
@sromero6360
1 Star Rating
please remove this card from my credit. I did apply for financing but never a credit card. I'm very disappointed in sleep number for doing that.
Comment
rbray444
@rbray444
1 Star Rating
I receive $2000 credit limit from Snchrony bank and paid it off quite early. some months after I paid it off they reduced my credit limit after a review citing the same issues that were there upon granting me the card. Then I never used it and 2 years later they closed the account citing the same credit issues that were there when they approved me the first time, however my credit score rose 100 points or so since they approved me. Beware of them, they conduct very deceptive practices and have no interest in you or how well you pay the balance . It means nothing. They have been very spiteful to me despite my excellent payment record to them. DO NOT USE THEM. Sleep number is good but Synchrony bank is almost criminal.
Comment
1
dmoore1235
@dmoore1235
The exact same thing happened to me. I had a PayPal MasterCard Lowe’s, credit card and eBay MasterCard all through synchronous. They done the same thing to all three cars which made my credit score plummet I’m still trying to get it back. There should be laws against that never use synchronicity
Comment
1
crodriguez450
@crodriguez450
Sleep number card lowered my available credit every 4 months by 50% each time. I had a 2 year financing with them and paid on time monthly. A year and a half later, they closed my account. I still have a couple months left on my 2 year financing plan. They are just horrible!!
Comment
Darin Miller
@jhualum
5 Star Rating
Excellent Charge Card for buying a product and then having interest deferred for a set time period to provide you with ample time to pay off the balance before interest begins to accrue.
Comment
Deb M O Ms
@deborahs_140
3 Star Rating
slow to report on credit- been paid off, customer service is hard to speak to, long waits, trying to get someone on the phone, trying to hit 0 or other numbers are almost impossible to get a hold of a live person. I've called twice to make sure they put in o balance, they lost payment of mine only to find they had cashed it.
Comment
crodriguez450
@crodriguez450
1 Star Rating
Completely Horrible!! I have only used my card for one purchase. I paid off 30% of the balance and they lowered my credit limit so my utilization is back to 100%. Then I paid off another 30% and they lowered my credit limit again. So once again my utilization is back at 100%. They are hurting my credit!!
Comment
2
colettereneejones
@colettereneejones
They have done the same thing to me twice! Makes me so mad! I will never buy their POS products again. They can come get their $12K bed. Take their card and stick it. I will post on all media sites as possible.
Comment
2
crodriguez450
@crodriguez450
@colettereneejones so here it is 6 months after I posted my review and they have since lowered my available credit a couple months ago and have now closed my account altogether. I still have a balance but apparently they have been pulling my credit every 4 months and using the excuse that my credit to debt ratio is high. Not taking into account that they are the reason for that since my credit usage has been 80% or higher with them since they kept lowering my available credit. Such a horrible card!! My credit score has dropped another 42 points thanks to them.
Comment
Juan
@cpafeliciano
5 Star Rating
The card is a way to go option if you want to buy a sleep number mattress. Totally worth it, flexible payment plans without the interests.
Comment
Michael
@michaelg_584
5 Star Rating
Sleep number made it so easy to get financing through synchrony bank. We walked out feeling like we made a good choice. We were approved in less than 2 minutes.
Comment
1
Review Sleep Number Credit Card
Sleep Number Credit Card
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