Ashley Furniture Credit Card

Card Details
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.