| Rewards | There’s no traditional credit-card rewards program. |
|---|---|
| Signup Bonus | There is no publicly advertised sign-up bonus. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | Up to $41 |
| Purchases APR | 29.99% variable |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Ashley Furniture / Ashley Advantage Credit Card is primarily known for offering promotional financing on furniture purchases, rather than rewards or cash back. There’s no annual fee, no traditional points program, and no sign-up bonus, but the card does let cardholders access 0% interest for up to 60 months on qualifying purchases, which is its main selling point.
Most users say they appreciate the long-term financing, which makes large furniture purchases more manageable. Many reviewers mentioned that the card is easy to use in-store and online, and that Synchrony’s customer service is generally responsive when issues arise.
On the flip side, cardholders often note that the APR is very high (around 29.99%), so carrying a balance outside of promotional periods can be costly. Some also mention the lack of rewards, perks, or cash-back incentives, which makes it less appealing for regular day-to-day use.
Personally, I think this card is best for people planning a big Ashley Furniture purchase who want to take advantage of 0% promotional financing. If you’re looking for a card with rewards, travel perks, or cash-back options, this card isn’t the right fit — it’s really designed for targeted furniture financing.
RATE THIS CREDIT CARD
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R
High cost for limited use
This card locks you inti Ashley furniture purchases, with little value outside the store. Interest rates are high especially if you don't pay off financing quickly. The rewards and perks are minimal compared to general credit cards. Overall it feels restrictive and expensive for most shoppers
S
High interest
This card helped me finance a big furniture purchase. The interest rate is high and I would not use it for other spending. It is useful only if you need store financing.
S
Strong rewards
This card offers solid rewards and reasonable fees. I appreciate the customer service and travel perks. Membership is required, but the benefits make it worth considering.
