Sleep Outfitters Credit Card

The Sleep Outfitters USA credit card gives you the flexibility to buy today and pay over time.

As a Sleep Outfitters USA cardholder, you'll enjoy benefits such as:

• No annual fee²
• Promotional financing options available every day³
• Convenient monthly payments
• Online account access
• View All Financing Offers

1 Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged, including related promo fee and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed including related promo fee) divided by the number of months in the promo period, rounded up to the next whole cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. For New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

2 For new accounts as of 7/16/2024, Purchase APR is 34.99%. Minimum interest charge is $2.

3 Subject to credit approval. Minimum monthly payments required. See store for details.

No Interest if paid in full within 12 months*

On purchases of $1,000 or more made with your Sleep Outfitters or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 12 months. Minimum monthly payments required.

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A Promo Fee does not apply to this offer.

No Interest if paid in full within 18 months*

On purchases of $1,500 or more made with your Sleep Outfitters or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 18 months. Minimum monthly payments required.

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A Promo Fee does not apply to this offer.

3% Back in Statement Credit

**Subject to credit approval. Offer valid on qualifying purchases of $4,500 or more and must be on a single receipt. Rebate information must be submitted online or postmarked within 30 days of purchase date on receipt. For accounts that qualify, 3% of purchase(s) amount (minus returns and adjustments) will post to your account in the form of a statement credit. Rebate information must be submitted online using Offer Code: 24-80353 at synchrony.sendmyrewards.com. The statement credit will post to your account within 60 days after receipt of rebate submission. Each single receipt purchase made must be registered to receive the statement credit. Account must remain open, in good standing, and not become delinquent at the time the statement credit is applied. Please keep a copy of your original receipt(s) for your records. Visit synchrony.sendmyrewards.com/reward-tracker or call 866-396-8254 or the number on the back of your Credit Card to inquire about your rebate status. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. Combinable with 12 months promotional financing only. Cannot be combined with other promotional financing offers. Statement credit cannot be used to satisfy the required monthly payment on your Sleep Outfitters or Synchrony HOME credit card account and may not be redeemed for cash or cash equivalent.

2% Back in Statement Credit

**Subject to credit approval. Offer valid on qualifying purchases of $4,500 or more and must be on a single receipt. Rebate information must be submitted online or postmarked within 30 days of purchase date on receipt. For accounts that qualify, 2% of purchase(s) amount (minus returns and adjustments) will post to your account in the form of a statement credit. Rebate information must be submitted online using Offer Code: 24-80354 at synchrony.sendmyrewards.com. The statement credit will post to your account within 60 days after receipt of rebate submission. Each single receipt purchase made must be registered to receive the statement credit. Account must remain open, in good standing, and not become delinquent at the time the statement credit is applied. Please keep a copy of your original receipt(s) for your records. Visit synchrony.sendmyrewards.com/reward-tracker or call 866-396-8254 or the number on the back of your Credit Card to inquire about your rebate status. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. Combinable with 18 months promotional financing only. Cannot be combined with other promotional financing offers. Statement credit cannot be used to satisfy the required monthly payment on your Sleep Outfitters or Synchrony HOME credit card account and may not be redeemed for cash or cash equivalent.

Concora Credit® Accounts Offer

• Low monthly payments
• Credit lines up to $6,000
• Up to 6 months special financing* or up to 12 months special financing*
• Revolving line of credit
• In-store purchases only
  
  

Apply Here

* No Interest on Purchases If Paid In Full Within 6 Months or Within 12 Months. Deferred interest period is determined by creditworthiness, and if approved for a Concora Credit Account, you will be notified if your purchases are subject to 6 months of deferred interest or 12 months of deferred interest. In all cases, interest will accrue and be charged to the account at an APR of 29.99% from the purchase date if the purchase is not paid in full by the end of the deferred interest period, or the account becomes 180 days past due or is charged off for any reason. Monthly minimum payments required. To view the Account pricing and terms, please click on the "Apply Now" button below. Concora Credit Accounts are issued by First Electronic Bank, Member FDIC.

Acima Leasing

Shop without using credit^

Sleep Outfitters has partnered with Acima to offer a flexible, No Credit lease-to-own solution to help you take home the products you need without using credit or increasing your debt.

Get Approved for Up to $4,000 in Leasable Merchandise⁺

Applying is fast and easy.

Easy Payment Options

Make flexible payments that are conveniently scheduled with your payday

Early Purchase Savings

You can choose to purchase your item at any point during the lease at a discount.

Cancel at Any Time

You may cancel your lease at any time, without penalty, and schedule a return of your item(s) directly with Acima.

For further information, please visit Acima’s FAQ.

Apply Here

The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement depending on your state) provided by Acima. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Ownership is optional. Approval subject to review and verification of your application. Not all applicants are approved. Approval amount based on retail price of host retailer. The Acima cash price may include a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. See your lease for payment amounts and rental terms.

^“Shop without using credit” means that this is not a credit, loan, or financing transaction. We consider multiple data points in reviewing your application and regularly approve customers with less-than-perfect credit history.

+ "Get approved for up to $4,000” refers to the maximum amount Acima will spend to acquire goods from a retailer to provide to you, subject to a lease purchase transaction.