Bring it Home with Synchrony HOME™.
Choose a Special Financing option that's best for you.
OMF Financing Offer |
Promotional Period |
Minimum Purchase |
|---|---|---|
|
No Interest if Paid in Full Within 6 Months1
Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.
|
6 Months |
$200 |
|
No Interest if Paid in Full Within 12 Months1
Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required.
|
12 Months |
$1,200 |
|
9.99% APR for 24 Months2
Fixed monthly payments required for 24 months.
|
24 Months |
$1,800 |
|
9.99% APR for 36 Months2
Fixed monthly payments required for 36 months.
|
36 Months |
$3,600 |
1 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, a er promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
2 Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.1242% of initial total promo purchase amount, rounded up to the next whole dollar. 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. New Accounts as of 7/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
SPECIAL FINANCING
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Frequently Asked Questions
What is the Original Mattress Factory Synchrony HOME Credit Card?
We offer customers a credit card through Synchrony Bank with a revolving credit limit to use again and again everywhere the Original Mattress Factory Synchrony HOME Credit Card is accepted, including our locations.*
*Subject to credit approval.
How do I apply for the Original Mattress Factory Synchrony HOME Credit Card?
You can apply for the Original Mattress Factory Synchrony HOME Credit Card online or at any of our store locations. Apply online now
How do I check the status of my account?
To check the status of your Original Mattress Factory Synchrony HOME Credit Card account, click on the Manage My Account link to go to the Synchrony Bank website. After logging into your account, you will be able to do things like: Make a payment, view your balance, update your account information, or schedule up to 12 future payments.
How do I make a payment on my Original Mattress Factory Synchrony HOME Credit Card?
There are three convenient ways to pay your bill.
Pay Online: Click here to manage your account and make payments online.
Pay by Phone: Contact Synchrony Bank Customer Service 1-844-335-5909 during the hours listed below to make a payment by phone.
Monday – Sunday 7:30 am to 12:00 midnight EST
Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.
Synchrony Bank
PO Box 71715
Philadelphia, PA 19176-1715