WalletHub Rating
2.9/5
Ashley Furniture HomeStore Credit Card has a rating of 2.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Ashley Furniture HomeStore Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, Ashley Furniture HomeStore Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 2.8/5 for APR, and 3.4/5 for User Reviews.Info about the Ashley Furniture HomeStore Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
79 reviewsRead and write reviews
Market Comparison
Market Comparison
2.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
2.5
APR
2.8
2.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 12 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Ashley Furniture HomeStore Credit Card's Additional Info
•
Deferred interest details: No interest if paid in full within 6 or 12 months with no minimum purchase.
•
Automatically enrolled in the Orange Rewards Program, you can earn a $50.00 rewards coupon when you make two or more Qualifying Purchases within a calendar year that equal or exceed, in total, $2,500. Terms apply, check website for details.
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Learn More
at Synchrony Bank's secure site
Editor's ReviewFact checked
Fact checked
Fact Checked by Alina Comoreanu
Senior Researcher
Ashley Furniture HomeStore Credit Card Pros & Cons
No membership fees
Qualify with fair credit
No rewards
High regular APR
Deferred interest
Compare The Ashley Furniture HomeStore Credit Card vs. Popular Alternatives
 Ashley Furniture HomeStore Credit Card |  Capital One Platinum Credit Card |  Mission Lane Visa® Credit Card |
|---|---|---|
2.9WalletHub Rating WalletHub Rating 2.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.4 Market Comparison 2.8 fees: 5.0 rewards: 0.0 cost: 2.5 APR: 2.8 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.6 Market Comparison 3.4 fees: 5.0 rewards: 0.0 cost: 3.3 Other Features: 4.5 | 2.8WalletHub Rating WalletHub Rating 2.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 2.9 User Reviews 3.6 Market Comparison 2.7 fees: 2.8 rewards: 0.0 cost: 2.9 Other Features: 4.5 |
annual fee$0 | annual fee$0 | annual fee$0 - $59 |
Purchase Intro APR0%for6 - 12 months | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR29.99% | Regular APR30.74% (V) | Regular APR26.99% - 29.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offerNone | bonus offerNone | bonus offerNone |
Apply Now | Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Ashley Furniture HomeStore Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
How do I apply for the Ashley Furniture Credit Card?
Upvotes
Reply
Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
You can apply for the Ashley Furniture HomeStore Credit Card eitheronline or at your nearestAshley HomeStore location. At the moment, there is no way to apply for this card over the phone.
Here is how to apply for the Ashley Furniture HomeStore Credit Card online:
- Visit the Ashley Furniture HomeStore Credit Cardwebpageand click the “Apply Now” button.
- Start by filling in the last 4 digits of your Social Security number (SSN) and your phone number.
- Provide more personal information, including...
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What credit score is needed for the Ashley Furniture Credit Card?
4
Upvotes
Reply
4
Sebi Mitchell, Credit Cards Moderator
@sebim
For the Ashley Furniture HomeStore Credit Card you need a credit score of at least 640 (fair credit).
While having an adequate credit score is important, that alone won't guarantee your approval. The issuer will also look at your income in relationship to your existing debt when considering you for a new account.
1
Where can I use my Ashley Advantage Credit Card?
4
Upvotes
Reply
4
Rodney Bennett, WalletHub Analyst
@rodneyben
Your Ashley Advantage Credit Card can only be used at Ashley Furniture HomeStores or online, at ashleyfurniture.com.
It's not stellar in terms of acceptance but it's a store card, and store cards tend to be more accepting than general-use credit cards when it comes to applicants with less-than-stellar credit scores.
2
Can you use this card anywhere?
2
Upvotes
Reply
2
1
WalletHub
@WalletHub
The card can be used in certain stores, depending on the bank's business partner that issued it. You can find a complete list of businesses here: https://www.mysynchrony.com/
Can I pay my Ashley Furniture Credit Card in store?
Upvotes
Reply
John Miller, Credit Cards Moderator
@john_miller
No, you cannot pay your Ashley Furniture HomeStore Credit Card in store. However, there are plenty of other ways to make a payment for your Ashley Furniture HomeStore Credit Card. You can make a payment through your online account, over the phone at (877) 295-2080, or via mail at the following address:
Synchrony Bank
P.O. Box 71715
Philadelphia, PA 19176-1715
Just keep in mind that payments by mail take the longest to process. For faster processing, you should pay online or over the...
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How much is the Ashley Furniture Credit Card minimum payment?
Upvotes
Reply
John Miller, Credit Cards Moderator
@john_miller
The Ashley Furniture HomeStore Credit Card minimum payment is the highest of the following:
- $30
- 5% of the statement balance
- 1% of the statement balance, plus interest and late payment fees
If the statement balance is less than $30, then the minimum payment will be equal to the balance. In addition, you will have to pay any past due or special promotion amounts.
The minimum payment is the smallest amount you're obligated...
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How do I cancel my Ashley Furniture Credit Card?
Upvotes
Reply
John Miller, Credit Cards Moderator
@john_miller
You can cancel your Ashley Furniture HomeStore Credit Card by calling customer service at (877) 295-2080.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Ashley Furniture HomeStore Credit Card.
It's important to know that when you cancel your Ashley Furniture HomeStore Credit Card, you may see...
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What's the Ashley Furniture Credit Card income requirement?
Upvotes
Reply
Evelyn Boros, Credit Cards Moderator
@evelyn_boros
The Ashley Furniture HomeStore Credit Card's income requirement isn't disclosed. But you'll have to provide a steady source of income during your application, though. In order to approve you, the issuer needs to make sure you'll be able to pay for your new debt obligations.
1
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Ashley Furniture HomeStore Credit Card Reviews
Share your insights and review for the Ashley Furniture HomeStore Credit Card
5
35%
4
22%
3
15%
2
8%
1
20%
3.4
79 reviews
79 reviews
What's Your Rating?
Most Recent
Rhonda Emineth
@rhondaemineth
5 Star Rating
This was my first credit card as far as home furnishings and I was so excited when they said I was approved. I moved into my apartment and I had NOTHING!!! So that same day as being approved I used all of my limit with no interest. I paid it off very fast and I feel good that if I need something for my home I have this card.
Comment
Judy
@judymedina493
5 Star Rating
Got leather sofa bed and loveseat and absolutely loved it.. had a minor problem when delivering but cleared it up right away and I was fully satisfied
Comment
Chavez K
@chavezk
1 Star Rating
Not reporting my payments when I paid on time. but the minute I am Late. It will show up asap don't like that do your job please
Comment
Marissa
@mpeck21721_1
1 Star Rating
They lowered my balance and closed my account without telling me specifics. I was never late on a payment and always over paid. It’s terrible service, and I’d highly recommend never getting any card from synchrony bank.
Comment
1
kyler
@kylerd
1 Star Rating
Ashley furniture has screwed me over in so many ways I would not ever buy anything from them ever ever again a chair I paid 300 for since I financed it I well paid over 1500 definitely don’t recommend Ashley future
Comment
Sarah
@sarah48185
5 Star Rating
They're keeping an correct update on my payment history. I enjoyed shopping and buying at that particular store they had what l was searching for during the time l visited their store.
Comment
carlos
@carlost_43
4 Star Rating
Very eazy to understand, always get the statements on time will,use it again once the apr goes down syncrony Bank is a good Bank to work with.
Comment
jessw_3
@jessw_3
5 Star Rating
EASY QUICK credit check. Sales helped alot with the process and we had new furniture within the week. Thx Ashley furniture. Great experience
Comment
Armina
@arminat
3 Star Rating
No comment...they not fair they say no interest but there is interes so what to do about that......................................
Comment
Joshua
@kellybergeron69
1 Star Rating
I do not owe this company any money! They have had plenty of time to report this to all 3 credit bureaus, but have failed to do so.
Comment
Review Ashley Furniture HomeStore Credit Card
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Ashley Furniture HomeStore Credit Card
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Synchrony Bank
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