Mattress Firm Credit Card: Full Review [2025]

Great Card If

• You want access to promotional financing for a mattress purchase.
• You want to avoid an annual fee.
• You plan to pay your promotional balance on time to avoid deferred interest.

Don’t Get If

• You want a card you can use anywhere.
• You plan to carry a balance.
• You won’t pay off your deferred-interest balance in time.

Mattress Firm Card: Is It Worth It?

The Mattress Firm card is designed for Mattress Firm shoppers who want to take advantage of promotional financing on a mattress purchase. It has no annual fee and offers financing from 6 to 72 months, making it an option for spreading out payments if you pay on time.

Although this card allows you to pay off your mattress purchase interest-free, the penalties may be steep if you don’t pay your full balance within the promotional financing period. The card offers deferred interest financing for some purchases, which means you’ll be charged all accrued interest from the purchase date if you don’t pay the balance in full before the promotional period expires.

Mattress Firm Card Top Benefits and Perks

Long Promotional Financing Options

The extensive financing offers are this card’s most significant advantage. You can choose from 6, 12, or 24 months of deferred-interest financing, or 36 to 72 months of 0% APR with equal monthly payments for qualifying purchase amounts.

Check to see if there are any limited-time offers to earn cash-back tied to a special financing offer.

No Annual Fee

You don’t pay an annual fee to carry the card, so it’s helpful if you only need it for the financing promotion.

Prequalification

You can check your eligibility with prequalification, which doesn’t affect your credit. You only get a hard credit inquiry if you decide to submit a full application.

Alternative Cards to the Mattress Firm Card

Wells Fargo Reflect^® Card

If you’re looking for a lengthy 0% APR offer, the Wells Fargo Reflect card has a 0% introductory APR for 21 months on purchases and has no annual fee.

Chase Freedom Unlimited^®

The Freedom Unlimited card’s 0% introductory APR on purchases and balance transfers is only 15 months, but it also offers the following welcome offer:

• Earn a $300 Bonus after you spend $500 in your first 3 months from account opening. Offer ends 9AM EST on 1/15/26.

You can also earn at least 1.5% cash-back on every purchase, so you can use cash-back rewards to offset some of the cost of your mattress purchase.