Ashley Home Furniture Credit Card Review

If you’re looking to make a big furniture purchase, putting it on credit seems like a smart choice. Is the Ashley Furniture credit card by Synchrony right for you?

Americans are buying furniture—and lots of it. According to a 2016 report from the Fung Business Intelligence Centre, the U.S. furniture industry was valued at an estimated $96.4 billion in 2014, and the industry is expected to enjoy growth each year through 2019. Indeed, that's a lot of sectional sofas and coordinating end tables. The “new furniture” craze has left the door open for credit card issuers touting a variety of cards that reward spenders in different ways. One such card, the Ashley Home Furniture credit card, is what we'll be focusing on here.

If you’re thinking about the Ashley Home Furniture card, there are a few key benefits that cardholders love. One such perk is interest-free financing on your new furniture. When you open a credit card with Ashley, and use it to purchase enough, you'll have plenty of time to pay it off with their intro APR offer. Cardholders will receive exclusive offers in the mail—after all, the company wants you to come back and keep using that card! In addition to advance notice of upcoming sales, you'll also receive a discount that varies depending on your purchase amount. Usually, a down payment is required for furniture, but if you opt for Ashley Furniture's credit card, you can skip it. That’s huge for some buyers!

Just remember, Ashley Furniture has a lot of competition in the furniture space, and since this card acts like a store card it’s reward-specific to purchases at Ashley. The quality of Ashley Furniture gets mixed reviews. When compared against price conscious options like IKEA, it may leave something to be desired. Make sure you’re firm in your decision to buy Ashley Furniture before signing up for this card, and also pay it off during the extended intro APR period. Otherwise, you will be hit with outrageous APR that could hinder your credit journey. That said, if you’re a fan of Ashley Furniture and you’re excited to finance some new items using the introductory interest-free card, all systems are go for the Ashley Home Furniture card.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.