Author: Cathy Gresham

Getting this store card just isn’t worth it. The only benefit is the 6 or 12 month promo financing, which isn’t worth bothering with for small purchases

We can’t endorse this card Skip it. It does offer a 5% store credits which expire after 60 days. The interest rate is sky high

If you’re interested in a new mattress but can’t afford to pay the full amount up front, the Mattress Warehouse credit card might be for you. Take the stress out of the large purchase by financing it through the card. Make sure you pay off the full balance during the promotional period and make all of your minimum monthly payments on time along the way, though, or the 29% interest rate will make sure mattress purchase much, much more expensive in the long run.

This card has no rewards and no real perks other than the interest-free promotional financing. It can be a way to spread out payments of a furniture purchase over 6 months, if you have limited other options.

If you do this, make sure you fully payoff the balance on time, or face extremely high interest rates (29%!). Also ensure you make the monthly minimum payments along the way, remember the promotional financing still means you have to make small monthly payments.

Overall, since furniture is a discretionary purchase, it’s hard to say there’s a good scenario to get this card.

The Lovesac Credit Card is a co-brand/store credit card that offers some limited benefits for shoppers. The love sac credit card has no annual fee and offers a 0% APR on your first receipt’s purchases for the first 12 months (still requires monthly minimum payments along the way). Yep, that’s about it.