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Rooms To Go Credit Card: A Complete Guide

Rooms To Go Credit Card

The Rooms to Go credit card is a financing option offered by Rooms To Go, a furniture and mattress retailer, to help customers pay for purchases over time. This credit card, issued by Synchrony Bank, can only be used at Rooms To Go stores and on their website. It provides special financing offers, rewards, and other benefits to cardholders. Read on to learn more about the key features, application process, account management, and customer service for the Rooms To Go credit card.

The Rooms To Go credit card, also commonly known as the Rooms To Go card, is a store credit card that can only be used for purchases at Rooms To Go retail locations and online at This card is best suited for loyal Rooms To Go customers who frequently purchase large furniture and mattresses from the store.

Some of the significant benefits of the Rooms To Go credit card include:

Cardholders also access payment plans like 12 months of equal payments, no interest for 24 months, etc., on select purchases. There are also occasional shipping discounts.

Synchrony Bank issues the Rooms To Go credit card in partnership with Rooms To Go, which can only be applied for at Rooms To Go stores or on their website. Credit limits and interest rates are determined based on each applicant’s creditworthiness.


  • Absence of membership fees
  • 0% introductory APR on purchases
  • No deferred interest
  • Accessibility with fair credit
  • No down payment required
  • Deferred payment option for up to 180 days
  • Interest-free financing for a maximum of 180 days (with minimum payments)
  • Extended interest deferral possibility for larger purchases


  • No rewards program
  • Elevated regular APR
  • Lack of a sign-up bonus
  • Minimum payment set at $75 or 5% (whichever is greater)
  • Significant increase in APR once interest accrues
  • Restricted usability to Rooms to Go locations

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Here are some of the most essential features and benefits of having a Rooms To Go credit card:

One of the most significant advantages of the Rooms To Go credit card is the special long-term financing offers on significant furniture and mattress purchases. When you use a credit card, you can often take advantage of promotional financing terms like:

You will only pay interest if you pay the total purchase amount before the promotional period ends. This allows you to break up interest-free payments on expensive furniture over time.

Being a cardholder gives you discounts and savings opportunities throughout the year. Rooms To Go frequently sends exclusive promo codes to credit cardholders, which they can use both in-store and online to receive additional percentage discounts or dollar-off savings on their orders.

Rooms To Go offers payment plans like 12-month equal payments or 24-month equal payments on qualifying card purchases. This spreads out the cost of expensive items over a set period to make payments more affordable.

You can apply for a Rooms To Go credit card in-store at any retail location or online on their website. Here is an overview of the application process:

To apply for a Rooms To Go credit card in person, visit a Rooms To Go Austin store near you and speak to a sales associate. Let them know you are interested in applying for a store credit card. They will provide a paper application to fill out. This application will ask for basic personal and financial information, like:

You can also apply easily online from your computer or mobile device. Visit the Rooms To Go credit card login website and click “Apply Now” on the store credit card page. This will open up an online application form similar to the in-store paper application.

Filling this out only takes a few minutes. After applying, you’ll typically receive an instant decision. If approved, you can begin using your card immediately on You’ll receive your physical card in the mail within 7–10 business days.

To qualify for a Rooms To Go credit card, you’ll need:

The minimum credit score needed for approval is generally around 600. Higher scores increase your chances of being approved for more significant credit limits and lower interest rates.

Keeping your Rooms 2 Go credit card in good standing requires making on-time monthly Rooms To Go credit card payments and staying within your credit limit. Synchrony Bank provides a user-friendly mobile application accessible on Google Play and the App Store. This app enables cardholders to conveniently process payments. Here’s a look at the account management features:

Your monthly Rooms To Go credit card statement can be paid by:

Ensure you make at least the minimum payment by the due date on your statement to avoid late fees. Paying the entire balance will prevent interest charges from accruing.

You can check your Rooms To Go credit card account information 24/7 by logging into online banking through Synchrony or using their mobile app. This allows you to:

Monitoring your account frequently helps you quickly spot any suspicious activity.

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If you have questions, concerns, or issues regarding your Rooms To Go credit card, you can contact customer service 24/7.

Some common queries handled by the customer service desk include:

For the fastest assistance, have your 16-digit credit card number ready or include it in written correspondence when you call.

In addition to handling account inquiries, the Rooms To Go customer service team can:

They can offer personalized support on any shopping or account issues.

The Rooms2Go credit card can be an excellent financing tool for loyal customers purchasing large furniture. Take advantage of special financing terms, rewards, and discounts unique to cardholders. But also make timely monthly payments to avoid costly deferred interest charges. Careful account management will ensure this store card benefits your shopping experience.

The Rooms To Go credit card is issued by Synchrony Bank in partnership with Rooms To Go.

The card can only finance purchases at Rooms To Go retail stores, rooms to go outlet locations, or on their official website. It cannot be used anywhere else.

Yes, Rooms To Go accepts credit card payments from customers at their physical store locations. You can visit any store and pay in person towards your credit card balance.

Yes, if you do not pay the entire balance by the end of a promotional financing period, deferred interest will be charged from the original date of purchase. The regular variable APR on the card ranges from 26.99% to 29.99%.

If you miss a monthly payment, contact Rooms To Go customer service immediately to make alternative payment arrangements. This will help you avoid penalties or the risk of damaging your credit score. Try to pay at least the minimum amount due as soon as possible.

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