Ashley Advantage^® Credit Card: Full Review [2025]

Great Card If

• You plan to make a large furniture purchase soon.
• Your favorite furniture store is Ashley Furniture.
• You need to finance your purchase and can meet the minimum monthly payments.

Don’t Get If

• You want a general credit card that offers cash-back or flexible rewards.
• You don’t need to buy furniture anytime soon.
• You know you won’t be able to pay off your purchase in a specific time frame and will carry a balance.

Ashley Advantage Card: Is It Worth It?

If you’re planning to make a large furniture purchase soon (one that you may not be able to pay off in full immediately), you may want to consider getting the Ashley Advantage card. The card offers the following special financing terms (check your local store for details, as financing offers may vary):

• 6 months of special financing: No interest is charged if the balance is paid in full within 6 months. There is no minimum purchase requirement, but a minimum monthly payment is required.
• 12 months special financing: No interest if paid in full within 12 months. After a $499 minimum purchase (in-store amount may vary) on your Ashley Advantage card; minimum monthly payments are required.
• 24 months special financing: No interest if paid in full within 24 months. After a $999 minimum purchase (in-store amount may vary) on your Ashley Advantage card; minimum monthly payments are required.
• 60 months special financing: Only valid on in-store purchases; equal monthly payments required for 60 months.

The main perk of the card is the financing option, but it can only be used at Ashley Furniture stores, outlets, and on Ashleyfurniture.com. You must make minimum payments and pay the card off within your chosen time frame to avoid paying a very high interest rate on your balance. While this card may be right for some Ashley Furniture shoppers, it’s a limited card with very specific benefits. Only consider it if you need financing for a large furniture purchase with Ashley Furniture.

Ashley Advantage Card Top Benefits and Perks

The Ashley Advantage card offers the following benefits:

• Up to 60 months of special financing
• Membership in Orange Rewards, which offers benefits such as birthday perks, 10% off the first Tuesday of every month, exclusive invites and sneak peeks, and $50 in Ashley rewards (redeemable on in-store purchases made with your card) after at least 2 purchases totaling $2,500 or more per offer period
• No annual fee

Best Ways To Earn and Redeem Your Ashley Rewards

Getting the Ashley Advantage card automatically registers you for Orange Rewards, where you can earn $50 in Ashley rewards after at least 2 purchases that total $2,500 or more. Redeem your rewards for online or in-store purchases, though there may be exclusions for specific brands.

Alternative Cards to the Ashley Advantage Card

The primary benefit of the Ashley Advantage card is access to financing for up to 60 months. Not many other cards offer this length of financing, but if you are looking for a more versatile credit card, consider these:

Blue Cash Everyday^® Card from American Express

This $0-annual-fee card (rates & fees) offers 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49%-28.49% variable APR (rates & fees). You’ll also receive 3% cash back on U.S. online retail purchases — including furniture stores — as well as 3% back at U.S. supermarkets and U.S. gas stations (up to $6,000 annually per category, then 1%).

Citi Double Cash^® Card

This card has a $0 annual fee and offers 2% cash-back (1% when you buy and 1% when you pay) on all purchases, including furniture purchases. This card is simple, but that’s why we like it — no need to remember complicated terms or bonus structures.