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Value City Furniture Credit Card

79Reviews6Q&AContact

Excellent Credit, Good Credit, Fair Credit

Annual Fee

APR on Purchases

0% intro APR for 6 - 60 months, 29.99% APR after that

Balance Transfer

Balance Transfers Not Allowed

Editor's Take

Value City Furniture Credit Card Pros & Cons

No membership fees

Qualify with fair credit

No rewards

No rewards bonus

High Regular APR

Deferred interest

Value City Furniture Credit Card's Additional Info

cash advance fee

N/A

cash advance APR

N/A

foreign transaction fee

N/A

smart chip

max late fee

$41

max overlimit fee

max penalty APR

None

grace period

23 days

Apply Now

at Synchrony Bank's secure site

Deferred Interest Details: No interest if paid in full within 6 or 12 months with no minimum purchase required, plus a 5% discount for either financing plan.

Limited time offer - Equal Monthly Payment Financing: 0% APR for 48 months with no minimum purchases required.

Limited time offer - Equal Monthly Payment Financing: 0% APR for 60 months on Bedding items purchases of $1,499 or more.

All financing offers apply only to single-receipt qualifying purchases.

Pay Your Bill and View Your Statements Online.

Exclusive offers throughout the year.

Apply Now

at Synchrony Bank's secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Value City Furniture Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How can I pay my Value City Furniture Credit Card?

Upvotes

Evelyn Boros, Credit Cards Moderator

You can make a Value City Furniture Credit Card payment online, by phone, or by mail. You can pay a Value City Furniture Credit Card bill online either as a guest, or by logging in to your online account. The issuer allows cardholders to set up automatic payments, too.

Ways to Make a Value City Furniture Credit Card Payment

By phone: Call (888) 428-8818 and follow the prompts.
Online: Log in to your online account and click on “Payments”, then “Make a Payment”. Or click on Pay as Guest and provide some information to locate your account and make a payment.
By mail: Send a check or money order (but not cash) to:
Value City Credit Card
P.O. Box 960061
Orlando, FL 32896-0061Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a store: You can make a payment at any Value City Furniture store location.

Can I use my Value City Furniture Credit Card anywhere?

Upvotes

WalletHub

You can only use the Value City card at Value City furniture stores.

Is it hard to get this card? Or do you have to have good credit?

Upvotes

How can you check your application status?

Upvote

Valerie Pope

You could try calling them at 1-866-396-8254, but there's no way to check online.

Can you use the card in a store other than Value City?

Upvote

WalletHub

The Value City Furniture credit card can only be used at Value City Furniture or its sister store, American Signature Furniture.

What's the starting credit limit for the Value City Furniture Credit Card?

Upvotes

John Miller, Credit Cards Moderator

Compare The Value City Furniture Credit Card

Value City Furniture Credit Card

Capital One Platinum Credit Card

Surge Mastercard®

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Purchase Intro APR0% for 6 - 60 months

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR29.99%

Regular APR26.99% (V)

Regular APR24.99% - 29.99% (Variable)

Rewards RateNone

Apply Now

Value City Furniture Credit Card Reviews

Share your insights and review the Value City Furniture Credit Card

3.1

What's Your Rating?

jaclynstine93
April 16, 2022 • @jaclynstine93

We got the credit card to pay for our couches at a no interest rate for 36 months. Even though it was getting paid every month on time and we even put double the monthly amount due, the credit limit kept getting decreased for no reason (before 36 months) and hurting our credit score. We think it was because we weren't using it for anything besides the couches. We got a 6900 credit limit that dropped to a 1500 once we paid it up to that amount. I would not recommend getting it if you are worried about your credit score.

Comment

angela R steen
March 9, 2022 • @angelas_57

Verified Customer

It was an easy process application and quick response time in getting this credit card. The customer service is another issue as it is all automated and darn near impossible to talk to a human

Comment

Greg
March 2, 2022 • @gregb_62

Verified Customer

I was never late EVER . Then they decrease my credit line. Then send me sales ad. I be damn if I EVER USE their credit again. EVER!!!

Comment

Moniquemartin92
December 18, 2021 • @Moniquemartin92

I have good credit a good job a d I’ve paid my card down to 500 with 1700 to spend. I got turned down for an increase . I was on fire!! I’m not sure what is required but my credit and job is good. This card will be paid off and I refuse to use it again.!

Comment

Burnis Parker
December 22, 2021 • @videovisions

It won't matter. They will reduce your credit then close your account regardless of what you do.

Comment

Vickie
September 22, 2021 • @vickie_boisseau

Verified Customer

I opened this when I bought a sectional. Paid it off and don’t have plans to use again. It was easy to open because my credit was in great shape

Comment

Linnea
August 20, 2021 • @linneatesterman

Verified Customer

Will drop your credit limit WHILE paying off the balance, which makes your utilization high. I paid on time and paid off early and they closed the account. Same exact thing last year with care credit. More damage then its worth to have the card.

Comment

Lennis
July 19, 2021 • @lennisd

Verified Customer

I used this account for buying furniture in my home I like the customer service that I received whenever I’m in the store and I don’t have to wait long to work with someone

Comment

destiny
May 12, 2021 • @destinyamber0413

Verified Customer

Love the app. Very efficient and easygoing haven’t had a problem with anything so far. I’m able to go on autopay or schedule payments if i want

Comment

Anissa
March 31, 2021 • @anissahunter

Verified Customer

This is a great card to have on hand when you need to buy household items at the same time you're working on your credit. Just make your purchase and pay it off in 28 days.

Comment

Lonnie
March 27, 2021 • @deuceniggalotha1st

Verified Customer

Dropped my credit limit without warning never been late paid way more than the minimum they're thrash stay away. From 2800 to 2060. I will pay the card off and cut it up who buys furniture all the time anyway

Comment

Review Value City Furniture Credit Card

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Offer last updated: Jun 20th, 2022 at 14:50 ET

Value City Furniture Credit Card

Value City Furniture Credit Card

Accepted Credit Scores

Annual Fee

APR on Purchases

Balance Transfer

Editor's Take

Value City Furniture Credit Card Pros & Cons

Value City Furniture Credit Card's Additional Info

Questions & Answers

How can I pay my Value City Furniture Credit Card?

Can I use my Value City Furniture Credit Card anywhere?

Is it hard to get this card? Or do you have to have good credit?

How can you check your application status?

Can you use the card in a store other than Value City?

What's the starting credit limit for the Value City Furniture Credit Card?

Compare The Value City Furniture Credit Card

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