Rooms To Go Credit Card review
Annual Fee: $0
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their Rooms To Go Credit Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $5,940, with $6,000 being the most common.
Here’s the average credit score of members who matched their Rooms To Go Credit Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 706, with 756 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
30.3%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
48 years
Average age of members who matched this card or similar cards.
$98,551
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
February 6, 2015
Financed an I-comfort mattress set.
— Credit Karma Member
I went to Rooms to Go for their Memorial Day sale last year ( May 2014). At that time I was rebuilding my credit. One year after Bankruptcy & only a few cards. Credit score of 650 on Credit Karma at the time. I applied in store (Individual account) thinking I wouldn't be approved or I wouldn't get a CL large enough for the $1700 purchase. I was pleasantly surprised when I was approved for $3200 on the spot. I made a small down payment of $200 at the time of the sale. This increased the promotional period to 2017 (3 years) with no interest. It also lowered my monthly payment which made it more manageable and fit my budget. I have been making mininum payments one moth and double the next. My card is financed through Syncrony Bank. Making payments online is easy. I usually make them through my mobile phone. I only had to call customer service once when my account was locked. Credit Karma linking to it timed out my account. They answered my questions and my issue was resolved. Two months ago I applied for A Sam's Club Credit Mastercard who is also financed through Syncrony Bank. I was approved for A $3000 CL. While it was being processed yhey upgraded my Card to the 5% Gas, 3% Travel & 1% cash back on other purchases because of my 100% on time payments with the Rooms to Go card. It's unfortunate that the previous finance company for RTG, GE Capital had such terrible service. Things have changed for the better. I would recommend this card. Pay it off before interest accrues and it's a win!
Most helpful negative review
February 23, 2022
Do NOT Recommend
— Credit Karma Member
I have this card currently. I am working on my credit and keep my utilization rate below 35%. Despite Chase extending a $2k credit line, and Capital one increasing my credit line (without me asking), Synchrony decided to lower my line to $10 above my balance. Effectively making it appear that I have a 100% utilization rate. I called them to ask about it, especially since the “report” they said they based their decision off of was THREE months old, and they didn’t care. They told me that usually they just close the persons account with a balance, so I should consider myself lucky that they didn’t do that to me. I have never had a late payment, always pay extra, have 2 other cards with Synchrony bank that also carry low balances and NEVER have a late payment either. One of their reasons was because I have a lack of Real Estate loans… yeah, no kidding?! How am I supposed to get a mortgage when things like this are going to make it look like I can’t spend responsibly. Dirty. Not worth your time or risk. Dirty dirty business to do this to someone