0% Interest For 36 Months¹

On all smart beds purchases of $6,000 or more with a Sleep Number credit card. No interest will be charged on the amount financed with your credit card. Equal monthly payments required. Promo Fee of 2% of amount financed will be included in required monthly payments.  

¹On purchases of $6000 or more made with a Sleep Number credit card between 5/20/25 – 6/2/25. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments 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 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

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48 Months at 5.99% APR⁴

On all smart beds purchased with a Sleep Number credit card 5/20/25-6/2/25. Fixed monthly payments required for 48 months. 

⁴Qualifying purchase amount must be on one receipt. Interest will be charged on the promo purchase from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.3480% of initial total promo purchase amount, rounded up to the next whole dollar. These payments 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 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A Promo Fee does not apply to this offer.

60 Months at 7.49% APR²

 On all smart beds purchased with a Sleep Number credit card. Fixed monthly payments required for 60 months. 

²Qualifying purchase amount must be on one receipt. Interest will be charged on the promo purchase from the purchase date at a reduced 7.49% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.0033% of initial total promo purchase amount, rounded up to the next whole dollar. These payments 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 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%.  Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A Promo Fee does not apply to this offer. We reserve the right to discontinue or alter the terms of this offer at any time.

No Interest If Paid In Full Within 12- Or 24-Months​***, ³

***,³ Qualifying purchase must be on the same receipt. 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 amount financed 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 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A promo fee does not apply to this offer.​​ We reserve the right to discontinue or alter the terms of this offer at any time.

Pay Later with Synchrony Pay Monthly​Available on online purchases starting at $75. Loan terms available for 3 months to 60 months, with APRs ranging from 0% to 7.49%.​⁺⁺ Available offers may vary based on purchase price.

• 3 Months 0% APR
• 12 Months of 0% APR
• 24 Months 0% APR
• 36 Months 0% APR
• 48 Months 0% APR
• 60 Months 0% APR

⁺⁺Example: A 36-month term of a $5000 purchase and a 0% APR requires monthly payments of $139; and a 60-month term of a $5000 purchase and a 7.49% APR requires monthly payments of $101. Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Offer available online only.