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Ashley Benefit House Retailer Credit score Card Assessment 2022

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Fast Take: Ashley Furnishings presents its clients a spread of financing choices to make giant purchases manageable. So long as purchases are paid on time, it may be an excellent possibility. However, the APR on the Ashley Benefit card continues to be fairly excessive.

  • Charges

  • APR

  • Advantages

  • Rewards

How did we calculate this?


  • A number of interest-free financing choices
  • Distinctive offers
  • Financing for as much as 60 months


  • Excessive APR
  • Some financing choices are solely obtainable on-line

For anybody doing renovations or house enhancements, financing choices is likely to be a good suggestion. The Ashley Furnishings bank card — also referred to as the Ashley Benefit™ card — is one that will slot in with shopper budgets. Right here’s a full breakdown of what’s supplied.

Ashley Benefit Credit score Card Overview

The Ashley Benefit bank card can be utilized for all Ashley purchases. Sure interest-free plans can be found for individuals who keep present with funds, which is commonplace for related house retailer bank cards these days.

Key Options

Ashley Furnishings has a number of financing choices for its house retailer wares via its Ashley Benefit card. This card is issued by Synchrony in affiliation with Ashley Furnishings and comes with quite a lot of perks that are listed beneath.


There are not any annual charges with the Ashley Benefit card. Nonetheless, two penalty charges are hooked up to the cardboard. These are:

  • A late cost price of as much as $41
  • A returned cost price of $30

Prospects can keep away from late cost charges by ensuring all credit score balances are paid down 23 days upfront of the billing cycle. To keep away from the returned cost price, cardholders ought to ensure that to double examine all funds have been approved and accepted. 


It’s not an inexpensive bank card by any means. With an APR of 29.99% and minimal curiosity payable beginning at $2, many would contemplate this card costly. However when payments are paid on time, clients haven’t any trigger for concern.


Prospects are ready to make use of on-line interest-free financing, purchase now, pay later and leasing choices. There are three interest-free financing plans, that are at the moment solely obtainable on-line. These embody:

  • 6 months: Minimal buy of $150
  • 12 months: Minimal buy of $499
  • 60 months: Minimal buy of $2,999

Much like financing is the purchase now, pay later different. This consists of repaying any purchases in 4 handy funds quite than paying the complete value on the time.

There are additionally leasing choices for customers with poor credit score, which supplies clients the choice to pay again a purchase order over time earlier than taking possession of the products.


Ashley Furnishings operates a rewards program referred to as Orange Rewards. Among the distinctive perks clients get are as follows: 

  • Birthday Perks — 10% off all through the client’s birthday month
  • Model-specific offers
  • Early entry to gross sales
  • Tuesday Offers — 10% off on the primary Tuesday of every month
  • $50 retailer credit score when making two purchases totaling greater than $2,500
  • $100 low cost on an preliminary order when signing up for Ashley Furnishings emails

How the Ashley Benefit Credit score Card Stands Out

The Ashley Benefit bank card stands out for its customized reductions tailor-made to its clients via Orange Rewards. It has a number of financing choices and the shop has a value match assure. 

Comparable Ashley Benefit Credit score Card Choices

Right here’s a breakdown of similarities and variations in Ashley Furnishings’s bank card providing and the way it stacks up in opposition to the competitors.

Menards Large Card

The Ashley Benefit bank card has an APR of 29.99%, which is significantly larger than the 26.49% APR with Menard’s Large Card. Menards additionally presents 2% money rebates on all buyer purchases. Ashley Furnishings solely gives money reductions on objects within the type of credit score as soon as the client spends an quantity in extra of $2,500 and makes not less than two purchases.

House Depot’s Shopper Credit score Card

The Ashley Benefit bank card permits its consumers to entry as much as 60 months of interest-free financing. As compared, House Depot’s bank card solely gives a most of 24 months. Moreover, Ashley Furnishings presents purchase now, pay later companies, whereas House Depot doesn’t.

How To Apply

To be able to reap the benefits of Ashley Furnishings House Retailer financing choices, clients can go to its web site. From there, these are the steps to comply with:

  1. Scroll to the underside of the web page
  2. Beneath the “Buyer Care” heading, choose “Apply for Financing”
  3. Choose a most well-liked financing possibility from the alternatives obtainable
  4. Fill within the software kind with the small print required.

Alternatively, clients can obtain the Synchrony cellular app on the Apple App Retailer or Google Play Retailer to both open a brand new account or entry an current one.

Who the Ashley Benefit Credit score Card Is Greatest For

The Ashley Benefit bank card is finest suited to people who find themselves making huge one-off purchases that may be paid again over time. Loyal clients even have the possibility to reap the benefits of offers with out having to fret about annual charges.

Last Take

As soon as people pay their credit score steadiness off on time, the Ashley Benefit card could be extraordinarily helpful. It provides clients the liberty to make bigger purchases and pay them off at their very own pace with out taking over debt or having to fret about curiosity on high of repayments.

Ashly Furnishings House Retailer FAQ

Listed below are some questions individuals ask concerning the Ashley Furnishings House Retailer bank card.

  • What credit score rating do you want for Ashley Furnishings financing?
    • Ashley Furnishings presents leasing companies that require no credit score. For its Ashley Benefit bank card, clients can go to the web site to see in the event that they pre-qualify with no influence to their credit score rating.
  • Is it exhausting to get an Ashley Furnishings bank card?
    • Ashley Furnishings depends on Synchrony to carry out credit score checks for its Ashley Benefit bank card. Prospects can go to the corporate web site to see in the event that they pre-qualify.
  • What credit score bureau does Ashley Furnishings pull?
    • Synchrony gives credit score for Ashley Benefit bank cards, and Synchrony makes use of VantageScore for credit score scoring. VantageScore was based by Experian, Equifax and TransUnion, so it is doubtless that Synchrony pulls credit score reviews from all three credit score bureaus.
  • Does Ashley Furnishings use Synchrony?
    • Sure. Synchrony is partnered with Ashley Benefit to supply credit score services.

Charges are topic to alter; until in any other case famous, charges are up to date periodically. All different info on accounts is correct as of Aug. 30, 2022.

Editorial Observe: This content material is just not supplied by any entity coated on this article. Any opinions, analyses, critiques, scores or suggestions expressed on this article are these of the writer alone and haven’t been reviewed, accepted or in any other case endorsed by any entity named on this article.

Concerning the Writer

David is a certified monetary advisor within the Republic of Eire. He has a bachelor’s diploma in enterprise and entrepreneurship, in addition to over 5 years of investing expertise.

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