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Ashley Advantage Credit Card – Is It Worth It? [In-depth Review]

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Christy Rodriguez
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Christy Rodriguez

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If you are planning on sprucing up your home, you might be thinking about getting a credit card from Ashley HomeStore. The Ashley Advantage™ Credit Card is a good option since it doesn’t have an annual fee and it allows you to finance your large furniture, home decor, and mattress purchases at 0% APR for up to 72 months.

Card issuer Synchrony Bank provides over 120 credit card options to consumers — most of which are store-branded cards. Synchrony Bank is considered a bank that is more likely to approve applicants and its cards can be obtained by most consumers, even those with less than good credit.

There are some definite drawbacks to consider before you apply for this card, though. Mainly, this card has a very high APR (which can hurt if you miss a payment) and it can only be used in stores or online for Ashley HomeStore. We’ll break down all the pros and cons of this card for you to decide if this is the right card for you.

Ashley Advantage Card at a Glance


Credit Card

Benefits and Info

Ashley Advantage card

  • No annual fee
  • Interest Rate: 29.99% variable APR
  • Recommended Credit Scores: 650+
  • Fees:
    • Late Payment Fee: $38
    • Introductory Rate: 0% APR for up to 72 months
    • Balance Transfer Rate: 0% APR for up to 18 months

The Ashley Advantage card lets you finance all of your Ashley HomeStore purchases, but it can only be used at Ashley HomeStore (either in-store or online).

You must make on-time payments to avoid interest and other fees, which is the same with all credit cards. However, if you qualify for special financing offers and make monthly payments per these terms, you can defer the interest payments for a bit.

No matter your purchase amount, you can always take advantage of either of the following financing offers (depending on how much you want your monthly payments to be):

  • No interest if paid in full within 6 months
  • No interest if paid in full within 12 months

The Ashley Advantage card does not have a fee associated with opening an account or keeping an account open and is valid as long as you use it.

Hot Tip: Be aware that Synchrony Bank notes that your credit limit can be decreased (or your account closed) if you aren’t using your card enough or if your credit changes dramatically — so be sure to use your card periodically and remember to monitor your credit score.

Credit Score Requirements

This card is issued by Synchrony Bank, which is known for its high approval odds. This is good news for people with good credit and above (650+) as they will likely be approved for this card!

This card also helps with building your credit as it reports to all 3 main credit bureaus — EquifaxExperian, and TransUnion. This is usually done once every 30 days, corresponding with a certain point in your billing cycle.

Current Financing Offers

If you are planning on making a big purchase at Ashley HomeStore, you might consider taking advantage of one of its special financing offers, featured on its website. These offers change periodically, so it is best to check what is currently available here.

Ashley HomeStore Special Financing
Image Credit: Ashley HomeStore

A sample of offered plans recently available with minimum purchase thresholds (current offers may vary):

  • No interest if paid in full within 18 months with a minimum purchase of $999 (online only)
  • No interest if paid in full within 60 months with a minimum purchase of $1,499 (online only)
  • No interest if paid in full within 72 months on a qualifying purchase (in-store only)

Hot Tip: Financing offers are valid on single transaction totals only and must be paid off in equal monthly installments.

Be aware that the Ashley Advantage card has what is known as deferred interest. This means that if you don’t pay off the balance in the time periods noted above, you will be required to pay all of the interest you would have incurred during the plan. Yes, even retroactively!

If you don’t think you can make timely and consistent monthly payments, this may not be a good choice of card. Interest fees can add up quickly because of the high APR that this card charges.

Ashley HomeStore’s Orange Rewards Program

Orange is Ashley HomeStore’s reward program for Ashley Advantage cardholders. If you have the card, you’re automatically enrolled in the Orange program where you can receive some benefits and perks throughout the year.

Orange Rewards Ashley HomeStore
Image Credit: Ashley HomeStore

Ashley Advantage card rewards include:

  • $50 Ashley rewards after at least 2 purchases totaling $2,500 or more per offer period
  • Extra 5% off the first Tuesday of every month
  • 10% off coupon to use once during your birthday month

Rewards are typically sent via email, but can also be sent by mail if you don’t have an email address attached to your account.

Ashley Advantage Card Application

Applying for the Ashley Advantage card is simple — head over to the website or apply at an Ashley HomeStore near you.

Unfortunately, with Synchrony Bank, there is no “shopping cart trick” like with Comenity Bank, so if you apply for this card, it will result in a hard credit inquiry.

Hot Tip: Hard inquiries can have a temporary, but negative, impact on your credit score. Try to limit the number of new credit c ards you apply for.

To give yourself the best chance of approval, make sure you take care of your credit score. However, it is relatively easy to qualify for this card if you have a credit score above 650.

When you apply, you will need to be 18 years old, either a U.S. citizen or permanent resident, and provide certain information, including:

  • Planned purchase amount
  • Your name
  • Address
  • Personal contact information (such as phone number and email address)
  • Date of birth
  • Social Security number
  • Monthly net income or proof of employment

Paying Off Your Ashley Advantage Card

There are many convenient ways to pay off your Ashley Advantage card bill because the card is issued by Synchrony Bank.


The main benefit of making payments online is that you can make online payments 24 hours a day, 7 days a week, You also don’t have to worry about a payment being late if you set up autopay or schedule multiple payments at once.

Once you’ve logged on to your account (or via iOS or Android mobile app), you can set up your payments via bank transfer or electronic payment. If you don’t want to set up autopay, you can also make a 1-time payment or set up multiple payments at once.

Ashley HomeStore App
Image Credit: Synchrony Bank

You can also set up the Pay Without Login to save your information and expedite future payments through your online account.

Pay as a Guest

You can also pay your bill without logging into your online account by clicking here. You will have to enter some identifying information, such as the last 4 digits of your Social Security number, zip code, and card number.

You will not be able to do anything other than paying your balance when you log on in this manner.

By Phone

You can make payments and manage your account by calling the number on the back of your card or by contacting Synchrony Bank at 866-396-8254. There is a fee associated with phone payments.

By Mail

Send your payment (via check, money order, Western Union, or Walmart Bill Pay) to the following address:

Ashley Advantage Card
P.O. Box 960061
Orlando, FL, 32896-0061

Benefits of the Card

If you make a big purchase from Ashley HomeStore, the Ashley Advantage card might be a good choice so that you can take advantage of a long 0% financing offer. You also won’t have to pay an annual fee!

High Approval Odds

Store credit cards generally have high approval odds, so if you have good credit (which is around 650+), you will likely be approved for this card.

Up to 72 Months Free Financing

If you are making a large purchase, definitely take advantage of free 0% financing! This is an incredibly long promotional period compared to other store credit cards, as well.

Just make sure that you can pay off your entire balance within the timeframe noted on your promotional offer and you are consistent with making timely payments to avoid some large interest charges!

No Annual Fee

This card offers a way to improve your credit score without charging an annual fee. Although the lack of an annual fee is nice, hardly any store credit cards have annual fees.

Reports to All Credit Bureaus

Synchrony Bank reports your account activity each of the 3 major credit reporting agencies (Equifax, Transunion, and Experian). This means that making regular on-time payments, or paying off any special financing in the time frame, will demonstrate your financial responsibility and can help improve your credit score.

Drawbacks of the Card

This card has some big downsides, including the limited use and a high potential for fees with little reward.

Deferred Interest Financing

The Ashley Advantage card offers an introductory rate of 0% on new purchases for 6+ months, depending on the promotional plan you qualify for — but if you don’t pay off your balance in full or you miss a monthly payment, interest payments will be retroactively applied to your entire original purchase amount.

Can Only Use at Ashley HomeStore

This is a store card, meaning you can only use it to shop in-store at Ashley HomeStore or online at Unless you are a frequent shopper at Ashley HomeStore, this limited use might be a drawback as you aren’t able to earn rewards for your everyday spending.

High APR

This card’s APR is 29.99%, which is extremely high. Especially if you’re on a deferred interest financing plan (which we touched on above) and miss a payment or fail to pay off your entire balance within the promotional period, you’ll definitely feel the effects of this high APR.

Log On and Manage Your Ashley Advantage Card Account

To access your account, you can log on to your account online. There is also a mobile app available for iOS and Android.

Ashley HomeStore Online Login
Image Credit: Ashley HomeStore

From either the desktop or mobile app, you can access your monthly bills, see payment due dates, enroll to receive paperless statements, set up your payments, monitor when your promotional financing period, and set up account alerts.

You can access your online account 24 hours a day, 7 days a week.

How to Contact Ashley Advantage Card’s Customer Service

To contact Customer Service directly, you can go online and chat with an agent or send a secure email.

You can also call Customer Service at 866-396-8254. Representatives are available to chat Monday through Friday from 8 a.m. to 12 a.m. EST.

Alternative Credit Cards (Our Recommendations)

The main benefit of the Ashley Advantage card is access to up to 72 months of financing. Not many cards offer this length of financing, but if you are looking to obtain a more versatile card, we have a few suggestions.

The Citi Double Cash® Card is a great option. It offers no annual fee, and 2x points per $1 (1x when you buy, 1x when you pay) that can be converted to cash-back on all of your purchases. We like this card since you can redeem cash-back rewards that help offset your initial purchase.

You’ll also want to check out these other cards that are good for purchasing furniture.

Hot Tip: If you’re looking for more 0% APR cards, check out our guide on the best 0% APR credit cards

Final Thoughts

While you can only use this card at Ashley HomeStore, if you make a large purchase, the special financing offer can be very attractive. The high approval odds, no annual fee, and credit-building aspects of this card can also make it an appealing choice.

However, if you don’t make timely payments or pay off your card by the end of the financing period, this card could end up being a huge headache due to the high APR and deferred interest. The reward potential is also limited, so if you can qualify for a card with more lucrative rewards, it may be a better option for you.

The information regarding the Ashley Advantage™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What credit card company does Ashley Furniture use?

Ashley HomeStore uses Synchrony Bank as its card issuer. Synchrony Bank is known for issuing many store cards and its approval rate is generally high if you have a good or better (650+) credit score.

Where can I use my Ashley Furniture credit card?

The Ashley Advantage card can only be used to shop in-store at Ashley HomeStore or online at You can’t use this card at other retailers or to take out money from an ATM.

As some financing offers and benefits are only available in-store, you should know where your closest store is located. Ashley HomeStore has over 680 locations — find a location near you with this store locator.

Is it hard to get a Ashley Furniture Credit Card?

If you have a credit score above 650, it is easy to be approved for this card. Synchrony Bank is known for its high approval odds. In fact, you can apply in-store or online and be approved in less than 60 seconds!

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

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