| Benefit | Category | Value / Coverage |
|---|---|---|
|
Equal Pay Promotional Financing
0% APR with equal monthly payments for 36 to 72 months on qualifying purchase amounts; no interest is charged during the promotional period when equal payments are made.
|
Financial | 0% APR for 36–72 months |
|
No Annual Fee
The Mattress Firm Credit Card carries no annual fee for cardholders.
|
Financial | $0 Annual Fee |
|
Prequalification Without Hard Inquiry
Applicants can check eligibility for the card through a prequalification process that does not affect their credit score; a hard inquiry only occurs upon full application submission.
|
Financial | Complimentary |
|
Promotional Deferred Interest Financing
No interest if the promotional balance is paid in full within 6 or 12 months on qualifying purchases; interest is charged from the purchase date if the balance is not paid in full by the end of the promotional period.
|
Financial | 6 or 12 months deferred interest |
|
Zero Liability Fraud Protection
Cardholders are not held responsible for unauthorized purchases made with their account, as provided by Synchrony Bank.
|
Security | Complimentary |
