You cannot get a cash advance with the Mattress Firm Credit Card. You can only use the Mattress Firm Credit Card for purchases and only at Mattress Firm and other locations where Synchrony Home credit cards are accepted.

The fact that Mattress Firm Credit Card cash advances are not an option might actually be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that applies as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may also be ATM-owner fees.

You can learn more about cash advances here on WalletHub.

No, you cannot get the Mattress Firm Credit Card with a co-signer. In fact, most major card issuers have stopped allowing cosigners on credit card applications. However, it is possible to add authorized users or joint accountholders, which are a bit different from co-signers.

Other Ways to Get the Mattress Firm Credit Card

Create a joint account. When applying for the Mattress Firm Credit Card, you have the option to add a joint applicant. If approved, the co-applicants will share equal responsibility for...

Your Mattress Firm Credit Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Synchrony Bank explaining the exact reason for the denial.

If you feel your application deserves a second look, you can call Synchrony Bank to ask for reconsideration. However, you're only likely to succeed if you can prove your credit and/or income are significantly better than...