Mattress Firm Credit Card Reviews

Approval Odds

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2.2 out of 5 stars
5 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

4 out of 5 stars

2 5
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These reviews were written by current and former cardholders in the last year.

Jan 24, 2017
Screws your credit
Anonymous Cardholder

I got this card unknowingly. I had a mattress for 4K and a 5500 limit. They put the 4K on the card dropping my credit score 39 points for high card usage 

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Feb 17, 2017

What was your credit score when u got approved?

 
May 10, 2017

Rule of thumb is to put no more than 30% debt to income ratio on your card. Of course your usage dropped your credit score, you almost maxed out your card. For example, with a credit limit of $5,500, to keep a healthy credit score you should only have used approximately $1,650 or (5500 × 30 ÷ 100).

 
Nov 21, 2016
goof
Anonymous Cardholder

good stuff right

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Nov 21, 2016
5 Year - 0% interest.. Great until..
Anonymous Cardholder

It was closed by grantor.  Had it for almost two years and all of a sudden Wells Fargo closes my account with a high balance on it only because they are "no longer continuing the program".  My credit took a big hit.

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Aug 07, 2016
Approved no problem, account closed by g
Anonymous Cardholder

Had this card for 4 months , 0%. APR promotional deal. Account was closed by grantor...Wells Fargo / Mattress Firm. Has not affected my score yet, but it doesn't make a lot of sense. Googled it and it looks like Mattress Firm / Wells Fargo have been doing this to people since at least 2008

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Jun 05, 2016
Simple Approval - High Limit - Flexible
Anonymous Cardholder

I got this card through synchrony bank and was approved instantly for a credit limit of 6000 and have around 750 credit score with no baddies. I have other accounts with synchrony so that's probably why I was given such a high limit plus I don't see any hard inquiries on any of my 3 credit reports. Yay for my approval and love my new bed with 36 months no interest! The no inquiries thing was just icing on the cake so now I get to have the ice cream (another account and better sleep)!

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Mattress Firm Credit Card