Financing and Credit Card Options

Mattress Warehouse teamed up with Synchrony to provide more flexible financing to our customers with the Mattress Warehouse Credit Card. With more spending power and time to pay, you don’t have to wait to get better sleep.

Whether it’s time to finally upgrade the mattress you’ve been sleeping on for the last decade or it’s time for your child to get their first “real” bed, paying for your mattress shouldn’t stop you and your family from sleeping on a high-quality bed. Buying a mattress from Mattress Warehouse is easy with flexible financing with the Mattress Warehouse Credit Card.

0% interest for 24, 36, or 48 or 60 months**

On purchases made with your Mattress Warehouse Credit Card. Equal monthly payments required for 24, 36, 48 or 60 months.

Minimum purchase requirements: 24 months: $999; 36 months: $1,999; 48 months: $3,999; 60 months: $5,999. Promo fee of 2% of amount financed will be included in required monthly payments.

5.99% APR for 60 months†

On purchases of $1,999 or more made with your Mattress Warehouse Credit Card. Fixed monthly payments required for 60 months. 

No Interest if paid in full within 6 or 12 months*

On purchases made with your Mattress Warehouse Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months. Minimum monthly payments required. No minimum purchase required.

Minimum purchase requirements: 6 months: $0; 12 months: $0

There are three convenient ways to pay your bill.

1. Pay Online: Click here to manage your account and make payments online.

2. Pay by Phone: Contact Synchrony Bank Customer Service 1-866-396-8254 during the hours listed below to make a payment by phone.

   Monday - Sunday 7:30 am to 12:00 midnight EST

3. Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

   Synchrony Bank

   P.O. Box 960061

   Orlando, Florida 32896-0061

^Subject to credit approval. Minimum monthly payments required. See store for details.

*Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not,  interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

**Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

†Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. Interest will be charged on the promo purchase from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.9328% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

2 For new accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Minimum interest charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more.

3 You may be required to provide your annual net income if we do not have your recent information on file.