American Signature Furniture Credit Card

Card Details
Rewards	No standard rewards-points or cash-back program.
Signup Bonus	None
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	N/A
Cash Advance Fee	N/A
Late Payment Fee	N/A
Purchases APR	34.99% for new accounts (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The American Signature Furniture Credit Card is known mainly for its promotional financing offers, especially the 0% interest plans on large furniture purchases. There’s no annual fee, no rewards program, and no signup bonus — the appeal is really about spreading out payments interest-free if you pay off the purchase within the promo period.

Most users say they like how easy the card is to get approved for, and many reviewers mentioned that the long 12–40 month financing options make big-ticket furniture buys much more manageable. People also appreciate the simple online account management through Comenity.

On the downside, cardholders often complain about the extremely high APR once the promotional period ends. Many reviewers warn that if you don’t pay the balance off in time, you’ll get hit with deferred interest from day one, which can be a nasty surprise. Some also mention customer-service issues on both the bank and store side.

Personally, I think this card is best for shoppers who want financing, not rewards, and who are disciplined enough to pay off promo balances early. It can save you a lot on interest, but if you’re not careful, it can also get expensive fast.