Mattress Firm Credit Card: Increase Your Approval Odds (+ Get Better Rates)

Last Updated: Mar 19, 2023

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We generally only recommend Mattress Firm Credit Card if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.

Is Mattress Firm Credit Card a good credit card for me?

Every situation is different, so it's hard to give a blanket recommendation on whether or not Mattress Firm Credit Card is the right card for you.

However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.

Is Mattress Firm Credit Card worth it?

There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not Mattress Firm Credit Card is worth it for you.

We recommend considering the following when looking into getting any credit card (as a starting point at least):

  • Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
  • Are there are signup bonuses available with this card?
  • What annual fees does it have?
  • Are there penalty APRs?
  • Does it have an interest free period, and if so, how long is it?
  • How does it's APR compare to other cards?
  • How does the rewards/points system work?

What are the approval odds for Mattress Firm Credit Card?

The approval odds are going to be heavily dependant on your credit score, income & expenses.

If you have a credit score of 750+, you can basically get approved for most credit cards, including the Mattress Firm Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.

What credit score do I need for Mattress Firm Credit Card?

A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.

Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).

Improve your credit score BEFORE applying for Mattress Firm Credit Card

If your credit score is preventing you from qualifying for Mattress Firm Credit Card, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.

Once we've improved your score for you, you'll be in a much better place to apply & get approval for Mattress Firm Credit Card. Not to mention all the other benefits that come with a great credit score!

Making the Most of Your Mattress Firm Credit Card Benefits

The Mattress Firm Credit Card can be a great way to save money when shopping at Mattress Firm. Make sure to take advantage of the specials financing offers, exclusive discounts, and rewards program that this card has to offer for maximum benefit. Special financing offers may include no or low-interest rates for a certain period of time, so be sure to check for these deals. Exclusive discounts may apply on select purchases and the rewards program allows you to redeem your points for discounts or free items. With the help of your Mattress Firm Credit Card, you’ll be able to purchase the mattress of your dreams while saving money in the process!

The Benefits of Having a Strong Credit Score

A good credit score carries a wealth of benefits that can benefit your financial future. These include but are not limited to: 

  • Lower interest rates for loans and credit cards
  • Increased chances of approval for different forms of credit
  • Better insurance rates
  • Improved hireability

Having great credit can save you thousands in interest over the years. By keeping up with your credit score, you can ensure access to these potential benefits and more!

Looking for help with Mattress Firm Credit Card?

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