Value City Furniture Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and customer service info for The Value City Furniture Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Value City Furniture Credit Card has a rating of 1.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Value City Furniture Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Value City Furniture Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.1/5 for User Reviews. Info about the Value City Furniture Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.1/5
86 reviewsRead and write reviews
Market Comparison
Market Comparison
1.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 60 months, 34.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Value City Furniture Credit Card's Additional Info
Deferred Interest Details: No interest if paid in full within 6 or 12 months with no minimum purchase required.
Limited time offer - Equal Monthly Payment Financing: Pay $1 per month for the first 3 months, then 21 higher equal monthly payments on qualifying purchases of $999 or more.
Limited time offer - Equal Monthly Payment Financing: 0% APR for 30 or 40 months with a minimum purchase of at least $2,999 or $4,999.
Limited time offer - Equal Monthly Payment Financing: 0% APR for 60 months on qualifying mattress purchases.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.1
Market Comparison
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
4.1
Market Comparison
4.5
fees: 5.0
rewards: 4.0
cost: 5.0
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.9
Market Comparison
3.9
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
(86)
(17)
(1,616)
annual fee$0
annual fee$0
annual fee$0 intro 1st yr, $95 after
Purchase Intro APR0% for 6 - 60 months
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
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 offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can log in to your Value City Furniture Credit Card account by going to the login page on the Synchrony Bank website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.
How to Log In to a Value City Furniture Credit Card Account
Go to the Value City Furniture Credit Card login page.
Fill out the “Username” and “Password" fields with your credentials.
Click “LOG IN” to access your account.
After you have logged in, you'll be able to manage your Value City Furniture Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “I forgot my User ID or Password” on the Synchrony Bank login page and follow the prompts to reset or retrieve your username or password.
You can make a Value City Furniture Credit Card payment online, by phone, through the Syncrhony Bank mobile app, or by mail. To pay a Value City Furniture Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Syncrhony Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Value City Furniture Credit Card Payment
Yes, the Value City Furniture Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The Value City Furniture Credit Card requires at least fair credit to be approved. You can...
There is no disclosed starting credit limit for the Value City Furniture Credit Card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
That being said, the Value City Furniture Credit Card credit limit that you start with won't necessarily be your credit line forever. You can...
You can set up autopay for your Value City Furniture Credit Card through your online account or over the phone at (866) 396-8254. Once you're enrolled, the issuer will withdraw the payment amount from your linked bank account on the scheduled date.
How to Set Up Value City Furniture Credit Card Automatic Payments Online
Share your insights and review for the Value City Furniture Credit Card
5
26%
4
21%
3
15%
2
17%
1
21%
3.1
86 reviews
86 reviews
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campanathan @campanathan
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1 Star Rating
Stay away! I repeat, stay away! Do not get this card! We got this card to finance our couches, and it's been a total nightmare. They lure you in with the 0% APR, but you better hope you pay your items off by then, or they will add an excessive amount to your remaining balance now that the APR has jumped to 39%. There is absolutely no reason to get this card or even fall victim to this shady company (Value City Furniture). The low reviews speak for themselves. In my opinion, I truly believe that the only reason Value City Furniture is still open for business is because of the revenue they are generating from taking advantage of innocent customers who do not fully understand what is occurring until it is too late. Now, regardless if the card issuing bank is Synchrony, shame on Value City Furniture for allowing this to happen and for being affiliated with them. They are just as guilty.
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0
0
Tiger Leo @jk2004twins
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1 Star Rating
Verified Customer
I overpaid this account. Two managers hung up on me because I was correct. We went through every payment. All I need is an email confirming that it's paid off and for my overpayment to be refunded. Their emails and letters have been harassing me for about three months. Please manually process my payments and mark me as paid. The refund would be appreciated, as I'm a single mother of twins, one of whom is disabled; you're taking time and resources away from my children.
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0
0
Mspearson07 @Mspearson07
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1 Star Rating
Verified Customer
Had a 4000 dollar credit limit paid everything off on time and early dropped my credit to 250 dollars wouldn’t recommend will hurt your credit score and they wonder why people don’t like credit cash is still king
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Comment
1
0
James @jamesb263
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5 Star Rating
Verified Customer
Zero interest has been amazing I’ll keep business with this company forever . Payments can be made very easily . As long as you pay your bills you can enjoy great benefits
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0
0
Paula @nagy_paula
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5 Star Rating
Verified Customer
The sales rep was very helpful in filling out the application and receiving the credit was easy due to working on and building up my credit score.
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0
0
jaclynstine93 @jaclynstine93
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1 Star Rating
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.
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1
0
angela R steen @angelas_57
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3 Star Rating
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
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0
0
Greg @gregb_62
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2 Star Rating
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!!!
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1
0
Moniquemartin92 @Moniquemartin92
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1 Star Rating
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.!
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0
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Burnis Parker @videovisions
It won't matter. They will reduce your credit then close your account regardless of what you do.
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0
0
Vickie @vickie_boisseau
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5 Star Rating
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
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* The information about the following cards has been independently collected by WalletHub: Living Spaces Credit Card, Bob's Discount Furniture Credit Card, Pottery Barn Credit Card, Ashley Furniture HomeStore Credit Card, and Value City Furniture Credit Card.
