No Interest If Paid In Full Within 6, 12, or 24 Months^*
On qualifying purchases with your Mattress Firm credit card. Minimum purchase of $999 required in store for 24 months. Purchase amount in online checkout $0-$1498.99 for 6 or 12 months, $999-$1498.99 for 24 months. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
0% Interest for 72 Months^**
On qualifying purchases of $3299+ with your Mattress Firm credit card. Equal monthly payments required for 72 months.
Additional promotions financing offers available. See mattressfirm.com/credit for details

^* No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change. Select promotions may display in online checkout.
^** For in-store purchases taxes and delivery fees must be paid upfront and cannot be charged to your Mattress Firm credit card; upfront payment of taxes and delivery fees will not reduce monthly payment or amount financed. Qualifying purchase amount, less any applicable downpayment must be on one receipt. No interest will be charged on the amount financed and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar and may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change. Select promotions may display in online checkout.