What the Raymour & Flanigan Credit Card Does
The Raymour & Flanigan credit card is a store card issued by Synchrony Bank that you can use to make purchases at Raymour & Flanigan furniture stores and online. Unlike a general-purpose credit card, it works only at Raymour & Flanigan locations — you cannot use it at other retailers. The card offers promotional financing options on may have access to purchases, which is the main reason people open it.
When you use the card to buy furniture or home décor items, you may be offered a period with no interest charges if you pay off the purchase within that timeframe. These promotional periods vary depending on the purchase amount and the current promotion running in-store or online. If you do not pay the full balance before the promotional period ends, interest accrues on the remaining balance at the card's regular APR.
Key Takeaways
- The Raymour & Flanigan card is a store-only card issued by Synchrony Bank that carries a regular APR ranging from roughly 19% to 29%, depending on your creditworthiness.
- Promotional financing offers — typically 0% APR for 12, 24, or 36 months on purchases above a certain amount — are the card's main benefit and are advertised both in-store and online.
- You must pay the full promotional purchase amount before the offer period ends to avoid interest charges retroactively applied to the original purchase date.
- The card reports to the three major credit bureaus, so opening it and using it responsibly can help build your credit history.
- Late payments, missed payments, or failure to pay off a promotional purchase in time can result in penalty APR and damage to your credit score.
How Promotional Financing Works on This Card
When you make a purchase at Raymour & Flanigan using the store card, you may see an offer for 0% APR for a set number of months — commonly 12, 24, or 36 months depending on the item and the current promotion. This means you pay no interest on that purchase if you pay it off completely within the promotional window. The promotion applies only to that specific purchase, not to your entire card balance.
The catch is that if you do not pay the full promotional amount by the end of the period, Synchrony Bank charges you interest retroactively — meaning interest is calculated and added back to the original purchase date, not just going forward. For example, if you buy a sofa for $2,000 with 24 months 0% APR and pay $1,500 by month 24, the remaining $500 plus all the interest that would have accrued over those 24 months is now due. This is why it is critical to understand the exact payoff date and amount before you commit.
Raymour & Flanigan and Synchrony advertise these promotions heavily during sales events and for specific furniture categories. You can see current offers on the Raymour & Flanigan website, in-store, or by calling their customer service line. The terms of each promotion are printed on your receipt and in your account statements.
Interest Rates and Fees
The regular APR on the Raymour & Flanigan card ranges from approximately 19% to 29%, depending on your credit score and credit history at the time you open the account. Synchrony Bank sets this rate based on your creditworthiness. This rate applies to any balance you carry outside of a promotional period, as well as to promotional balances if you miss the payoff important date.
The card does not charge an annual fee. However, if you miss a payment or pay late, Synchrony may charge a late fee and may increase your APR to a penalty rate, which is typically higher than your regular APR. Cash advances are not available on this card — it is designed for in-store and online purchases only.
If you carry a balance month to month without a promotional offer, interest compounds daily on the outstanding amount. This is why the card is most useful when you plan to use it for a specific promotional purchase and pay it off on schedule.
How to Open a Raymour & Flanigan Credit Card Account
You can open the card in-store at any Raymour & Flanigan location or online through the Raymour & Flanigan website. In-store, a sales associate can hand you an process or direct you to a kiosk. Online, you will find the card offer on the Raymour & Flanigan homepage or during checkout.
The process asks for your name, address, date of birth, Social Security number, income, and employment information. Synchrony Bank pulls a hard inquiry on your credit report, which temporarily lowers your credit score by a few points. The decision is usually made within minutes, and if you are approved, you can use the card when ready for in-store purchases or receive a card number for online orders.
You do not need to have a Raymour & Flanigan account or purchase history to open the card. Your credit score, payment history, and debt-to-income ratio are the main factors Synchrony considers. If you are denied, you can ask Synchrony for the reason and reapply after addressing that issue — for example, paying down existing debt or waiting for negative marks to age on your credit report.
Managing Your Account and Making Payments
Once your card is open, you manage your account through Synchrony's online portal or mobile app. You can log in with your card number and a password you create during setup. The portal shows your current balance, available credit, promotional offer details, and payment due dates.
Payments can be made online through the Synchrony portal, by phone, by mail, or in-store at Raymour & Flanigan. Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days, so plan accordingly if you are close to a promotional important date. The minimum payment is shown on your statement, but to avoid interest on a promotional purchase, you must pay the full promotional amount by the important date, not just the minimum.
Set a calendar reminder for at least one week before your promotional period ends. This gives you time to confirm the exact payoff amount and may support your payment clears before interest kicks in. If you are unsure whether a payment has posted, call Synchrony customer service at the number on your statement to verify.
How This Card Affects Your Credit
Opening the Raymour & Flanigan card creates a hard inquiry on your credit report and adds a new account to your credit history. Both of these actions lower your credit score slightly in the short term. However, if you use the card responsibly — making on-time payments and keeping your balance low relative to your credit limit — the account can help build your credit over time.
The card reports to Equifax, Experian, and TransUnion, the three major credit bureaus. Your payment history, credit utilization, and account age all factor into your credit score. A store card with a lower credit limit may have a higher utilization ratio if you carry a balance, which can hurt your score. Conversely, if you pay off promotional purchases on time and keep the balance at zero, the card demonstrates responsible credit use.
Late or missed payments are reported to the credit bureaus and can significantly damage your score. A single 30-day late payment can lower your score by 100 points or more, depending on your current score. This is why staying on top of promotional important date and payment dates is important not just for avoiding interest, but for protecting your credit profile.
Alternatives to the Raymour & Flanigan Card
If you are buying furniture but want more flexibility, a general-purpose credit card with a 0% APR promotional period may be a better choice. Cards like the Chase Sapphire Preferred or the American Express Blue Cash offer 0% APR on purchases for 12 to 21 months and can be used anywhere, not just at one retailer. However, these cards typically require a higher credit score to may have access to.
Another option is to save up and pay cash or use a debit card, which avoids interest and debt entirely. If you need to finance furniture, some retailers offer their own promotional financing through third-party lenders like Affirm or Klarna, which break the purchase into installments with fixed fees rather than variable interest rates.
If you already have a strong credit score and a rewards credit card, using that card and paying it off when ready may be preferable to opening a new store card. You avoid the hard inquiry and new account, and you earn rewards points. The Raymour & Flanigan card does not offer rewards — its only benefit is the promotional financing.
Frequently Asked Questions
What happens if I do not pay off a promotional purchase in time?
Interest is applied retroactively to the original purchase date at your regular APR. If you bought a $3,000 sofa with 24 months 0% APR and paid only $2,500 by month 24, you owe the remaining $500 plus interest calculated as if you had been charged interest for the full 24 months. This can add hundreds of dollars to your debt.
Can I use the Raymour & Flanigan card outside of Raymour & Flanigan stores?
No. The card works only at Raymour & Flanigan locations and on their website. It is a closed-loop store card and cannot be used at other retailers, restaurants, or online merchants.
What credit score do I need to open this card?
Synchrony does not publish a minimum credit score requirement. Generally, applicants with a score of 650 or higher have a reasonable chance of approval, but approval depends on your full credit profile, including payment history and debt levels. If you are denied, you can reapply after improving your credit.
Does the card charge an annual fee?
No. There is no annual fee for the Raymour & Flanigan credit card. You only pay interest if you carry a balance outside of a promotional period or fail to pay off a promotional purchase before the offer expires.
How long does it take to receive the physical card?
If you open the card in-store, you can use it when ready for that purchase. If you open it online, Synchrony provides a card number right away for online shopping, and the physical card arrives by mail within 7 to 10 business days.