The Rooms To Go Credit Card, issued by Synchrony Bank, is a store-only card built for one purpose: financing furniture purchases without interest, as long as you pay off the balance within a set promotional window. It carries no ongoing rewards program — the entire value case is the 0% financing.
How the promotional financing plans work
Rooms To Go currently offers four financing tiers, each requiring a different minimum purchase and down payment (terms through 9/7/26, per the issuer): an 18-month plan with no down payment, a 24-month plan on purchases of $999+ with no down payment, a 36-month plan on purchases of $1,199+ requiring a down payment equal to sales tax and delivery, and a 60-month plan on purchases of $1,475+ requiring a down payment of up to 20% of the transaction. In every tier, no interest accrues if the equal monthly payments are made on schedule and the balance is paid off within the promo period — miss that window and deferred interest can apply retroactively.
What happens outside the promo window
For new accounts as of 7/31/25, the standard purchase APR is 34.99%, with a 39.99% penalty APR on missed payments and a $2 minimum interest charge, per Rooms To Go. There's no annual fee, and the card carries 0% fraud liability. Rooms To Go also offers lease-to-own furniture financing through Acima (no credit required, approval based on income/bank activity) and Buy Now, Pay Later options through Klarna, Affirm, and Afterpay as alternatives to the store card.
Our methodology
Every figure above — APR, annual fee, and financing-plan terms — is attributed to Rooms To Go's own published financing page (roomstogo.com/financing), verified August 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Rates and terms change — confirm current terms at roomstogo.com/financing before applying. See our full review methodology for how we score cards.