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If you're in the market for a new mattress, you may have come across the option to finance your purchase with a Mattress Firm credit card. This may seem like a convenient and tempting option, but before you apply, it's important to understand the ins and outs of this financing option. In this article, we'll take a closer look at the top 10 things you need to know about the Mattress Firm credit card.

The Mattress Firm credit card offers a variety of payment options, including online, by phone, and by mail. However, it's important to note that interest will accrue on any remaining balance after the promotional period ends. To apply for the card, you can do so online or in-store. Approval is based on creditworthiness and may take up to 7-10 business days.

One of the main benefits of the Mattress Firm credit card is the special financing offers that are available. These can range from 0% APR for a certain length of time to a reduced APR for a longer period. However, it's important to read the fine print and understand when interest will start accruing. Additionally, the card offers exclusive discounts and promotions, as well as a dedicated customer service line for cardholders.

In addition to special financing offers, the Mattress Firm credit card also offers rewards for cardholders. For every dollar spent, you can earn points towards future purchases. These points can be redeemed for discounts on mattresses, bedding, and other products at Mattress Firm. The card also offers exclusive deals and offers for cardholders, making it a great option for frequent shoppers at the store.

Before you apply for a Mattress Firm credit card, it's important to understand the requirements and limitations. The minimum credit score needed to qualify for the card is typically around 650, but this can vary. Additionally, the credit limit for the card will depend on your creditworthiness and can range from a few hundred to several thousand dollars.

Like any credit card, the Mattress Firm credit card comes with fees and interest rates. The APR for the card will vary depending on your creditworthiness, but it typically ranges from 29.99% to 30.99%. There is also a late payment fee of up to $38 if you miss a payment. It's important to make payments on time and in full to avoid these fees and interest charges.

If you're not sold on the Mattress Firm credit card, there are other financing options available through the store. These include layaway, lease-to-own, and third-party financing options. Additionally, you may want to compare the Mattress Firm credit card to other store credit cards to see which offers the best rewards and benefits for your needs.

While the Mattress Firm credit card can be a great option for financing your purchase, it's important to be aware of the potential risks and pitfalls. As mentioned before, interest will accrue on any remaining balance after the promotional period ends, so it's crucial to pay off the full balance before that time. Additionally, the card may come with hidden fees and charges, so be sure to read the fine print carefully.

Before applying for any credit card, it's always a good idea to read reviews and see what previous and current cardholders have to say. While some may rave about the benefits and rewards of the Mattress Firm credit card, others may have complaints about high interest rates or hidden fees. It's important to weigh the pros and cons and decide if this card is the right fit for you.

Lastly, here are a few tips to keep in mind when considering a Mattress Firm credit card. Do make sure to read the fine print and understand the terms and conditions before applying. Don't rely on this card as a long-term financing solution and make sure to pay off the full balance before the promotional period ends. And do consider other financing options and compare the benefits and fees to make an informed decision.