If you’re in the market for new furniture, you might have considered getting the American Home Furniture Credit Card. This card is issued by Synchrony Bank and can be used in the stores of American Home Furniture. It has some great benefits, but it also has some drawbacks that you should know about before signing up. Read on to learn more about the American Home Furniture Credit Card.
Benefits of the American Home Furniture Credit Card
The American Home Furniture Credit Card has several benefits that make it a great choice for furniture shopping. First, it offers a 0% introductory APR for the first 12 months, giving you time to pay off your purchases without having to pay interest. Additionally, the card offers a rewards program that allows you to earn points for every dollar you spend. These points can be redeemed for various rewards, such as cash back or discounts on future purchases. Additionally, the card offers exclusive discounts and promotions throughout the year.
Drawbacks of the American Home Furniture Credit Card
While the American Home Furniture Credit Card does have some great benefits, there are also some drawbacks to consider. For example, the APR after the introductory period is quite high, so it’s important to make sure you pay off your balance in full each month. Additionally, the rewards program is not the most generous, and you’ll need to spend a lot of money to earn enough points to redeem for rewards. Finally, the card is only accepted at American Home Furniture stores, so it won’t be useful if you shop at other stores.
How to Apply for the American Home Furniture Credit Card
If you’re interested in getting the American Home Furniture Credit Card, you can apply online or in-store. You’ll need to provide your name, address, and other personal information. Additionally, you’ll need to provide your employment and income information. You’ll also need to provide your Social Security Number and a valid government-issued ID. Once you’ve submitted your application, you should receive a response within a few days.
Things to Consider Before Applying for the American Home Furniture Credit Card
Before applying for the American Home Furniture Credit Card, there are a few things you should consider. First, make sure you understand all the terms and conditions of the card, including the interest rates and fees. Additionally, make sure you understand the rewards program and what it takes to earn rewards. Finally, make sure you can afford to make the monthly payments – if you can’t, you should look for a different card.
Advantages and Disadvantages of the American Home Furniture Credit Card
The American Home Furniture Credit Card has both advantages and disadvantages. The advantages include the 0% introductory APR, the rewards program, and the exclusive discounts and promotions. On the other hand, the disadvantages include the high APR after the introductory period, the not-so-generous rewards program, and the fact that it can only be used in American Home Furniture stores.
Conclusion
The American Home Furniture Credit Card is a great choice if you’re looking for new furniture. It offers a 0% introductory APR, a rewards program, and exclusive discounts and promotions. However, it also has a high APR after the introductory period and a not-so-generous rewards program. Additionally, it can only be used in American Home Furniture stores. Before applying for the card, make sure you understand all the terms and conditions and can afford to make the monthly payments.