Value City Furniture Credit Card Explained

Last Updated on April 20, 2025 by Amrita Das

Shopping for furniture can feel like an investment not only in your home but also in your lifestyle. To make this process more budget-friendly and accessible, the Value City Furniture Credit Card offers financing options that help you afford the designs you love while managing your payments over time.

But like any financial tool, it’s crucial to understand what you’re signing up for before you apply. By reading this guide, you will learn the benefits, features, and potential drawbacks and more of the Value City Furniture Credit Card to help you decide if it matches you.

Table of Contents

What is the Value City Furniture Credit Card?

The Value City Furniture Credit Card, issued by Synchrony Bank, is a store credit card designed to help customers spread out payments on furniture purchases. Whether you’re furnishing a new home or upgrading your living room, this card offers appealing financing options paired with some unique cardholder perks.

Key Highlights:

$0 Annual Fee: There’s no cost to keep this card in your wallet.
Flexible Financing Options: Enjoy promotional financing plans to pay off your purchases over time.
Exclusive Offers: Unlock access to cardholder-only deals and events.
Convenient Payment Options: Manage your account, pay bills, or adjust preferences online via Synchrony.

Additional Reading: Is Kohls Credit Card Changing To A Visa Card?

Benefits of the Value City Furniture Credit Card

1. Flexible Financing Options

One of the most attractive features of this card is the multiple financing promotions, allowing you to spread out payments on furniture purchases without the burden of immediate full payment. Here are some of the financing options available:

0% APR Installment Plans:

Guaranteed equal monthly payments for up to 12 months with no interest accrued, as long as payments are made on time.
Perfect for medium to large purchases.

Deferred Interest Promotions:

Interest is waived if you pay your balance in full within the designated time period.
Ideal for those who can swiftly clear their balance to avoid additional costs.

No Credit Needed Leasing Option:

With this option, you don’t need a traditional line of credit. Flexible payment scheduling is available for weekly, biweekly, or monthly intervals.

2. Cardholder-Only Offers

Value City Furniture frequently provides exclusive discounts, early access to sales, and other promotions to credit card users. You could receive just-for-you birthday treats, anniversary deals, or seasonal perks, adding extra value to your purchases.

3. Convenient Account Management

Managing your finances is simple with the online portal provided by Synchrony Bank. Through this portal, you can:

Pay your balance.
Track your spending.
Update account details.
Set up alerts to ensure timely payments.

4. No Annual Fee

Unlike some general-use credit cards, this store card doesn’t come with an annual fee, making it a cost-effective option for those who frequently shop at Value City Furniture.

5. Payment Flexibility

If you opt for Synchrony’s “Pay Later” option, account holders can expect predictable monthly payments without ongoing commitment. Choose from plans ranging from 3 to 12 months depending on your order value.

Potential Drawbacks to Consider

While the Value City Furniture Credit Card has many benefits, it’s also important to consider some of its limitations.

High APR: With a standard purchase APR of 34.99%, carrying a balance after a promotional period ends can be costly. This card is best suited for those who can commit to paying off balances quickly.
Limited Use: As a store card, it can only be used for purchases at Value City Furniture or affiliated stores like American Signature Furniture. If you’re looking for a credit card you can use universally, this might not be the right fit.
No Rewards Program: Unlike other credit cards, which offer points or cashback, this card focuses solely on financing options.
Deferred Interest Risks: If you don’t pay off your balance within the promotional period, interest can be applied retroactively to the entire balance from the date of purchase, which can lead to unexpected charges.

Who Should Get the Value City Furniture Credit Card?

This card is a good fit for:

Regular shoppers at Value City Furniture who want to take advantage of financing promotions or cardholder-exclusive deals.
Budget-conscious furniture buyers looking to spread out payments without paying upfront in full.
Individuals with fair credit who are looking for manageable credit options.

It’s less suited for:

Those who can’t pay off purchases within the promotional financing period.
Shoppers who rarely visit Value City Furniture or who prefer a credit card that earns rewards on everyday spending.

How to Apply for the Value City Furniture Credit Card

Applying for this card is straightforward:

Visit the Value City Furniture website and click “Apply Now.” option.
Complete the application form online. Synchrony Bank will evaluate factors like your credit score and income.
If approved, your physical card will arrive within 7–10 business days.

You can also check if you prequalify (without affecting your credit score) or apply in-store.

Tips for Responsible Card Use

Set Up Autopay: Use automatic payments to keep track of due dates and avoid missed bills.
Pay in Full (if possible): Stick to the promotional timelines to avoid interest charges and maximize the value of 0% APR offers.
Watch Your Credit Utilization: Store credit cards often have low limits, so be mindful of how much you charge to avoid negatively impacting your credit score.

FAQs: Value City Furniture Credit Card

Q: Is it necessary to activate my Value City Furniture account? If yes, then what is the activation process?

A: If your card came with a sticker on the front, you must contact the number mentioned on the sticker to confirm your details and activate your account.

Q: What is the typical credit limit for Value City Furniture members who have been approved for this card?

A: Based on data from matched cardholders, the average credit limit for the Value City Furniture card is approximately $4,815. However, it should be noted that a majority of members typically receive a credit limit of $6,000.

Q: Is it required to make payments before receiving the purchased product?

A: After completing your purchase, your next billing statement will reflect the transaction, and you will need to make minimum monthly payments based on your chosen financing promotion.

Q: What is the contact number for making a payment on my Value City Furniture Credit Card?

A: To access account information and make payments, please call 1-866-396-8254. If you already have an account, be sure to have your account number ready when calling. For those who have not yet received their Credit Card, simply refer to the phone number listed on your monthly statement.

Q: What is the process for applying for a Designer Looks Credit Card?

A: Applications can be submitted online or in person at any of our participating retailers. Upon approval, your physical card will be mailed to you by Synchrony Bank within 7-10 days. In case of a joint application, both applicants will receive their own cards. When making purchases in-store, please have your card and ID readily available.

Q: Can I use my Value City credit card at other stores besides Value City and American Signature Furniture?

A: No, the Value City Furniture credit card is exclusive to Value City and its sister store, American Signature Furniture. It cannot be used at any other stores or retailers.

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Final Thoughts

The Value City Furniture Credit Card’s financing options make it an excellent tool for managing furniture purchases, especially for larger items. However, the high APR and limited usability mean you should approach this card with a clear financial strategy. If you’re confident in paying off purchases on time and are a loyal Value City shopper, this card could simplify your buying process while offering handy perks.