| Rewards | None |
|---|---|
| Signup Bonus | None |
| 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 | 34.99% variable for new accounts; penalty APR may be up to 39.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Raymour & Flanigan Credit Card is primarily a store financing account rather than a traditional rewards card. Its main appeal is promotional financing, including 0% equal-payment offers on qualifying purchases, while the standard purchase APR is 34.99% for new accounts.
Most users say the biggest benefit is being able to spread the cost of expensive furniture over time. Many reviewers mentioned that promotional financing can make large purchases more manageable, particularly when the balance is paid according to the promotional schedule.
On the negative side, reviewers frequently mention customer-service and billing frustrations. Some customers have also complained about difficulty getting help with financing accounts or resolving issues after purchases.
Personally, I think this account makes sense mainly for shoppers making a large Raymour & Flanigan purchase who have a clear plan to pay it off within the promotional period. It is less appealing as an everyday credit card because it offers no traditional rewards and carries a high standard APR.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
C
easy to use, but interest can add up
The card made furniture purchase smooth and offered decent rewards. However, the APR is pretty high, so carrying a balance gets expensive. Great for occasional big buys, not for everyday use.
D
Good only for furniture
I got this when I bought a new couch and needed financing. It helped with that. After that I do not use it much because rewards outside the store are weak. Good for furniture purchases but not great as an everyday credit card.
