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.  

1A 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. 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. These 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 and may be higher than the payments that would be required if this purchase was a non-promo purchase. Although estimated monthly payments shown will be rounded up to the next whole dollar (for ease of display), your actual required equal monthly payment will be rounded up to the next cent on your billing statement. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Any estimated required monthly payments shown in connection with this promotional offer should allow you to pay off the Amount Financed (including related promo fee) within the Promo Period if:  

• You make your payments by the due date each month, and    
• This is the only balance on your account during the Promo Period.    

If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.​

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. We reserve the right to discontinue or alter the terms of this offer at any time. 

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 The 12- Or 24-month Promotional Period On Purchases With Your Credit Card​****, ³

Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Any estimated monthly payment shown in connection with this promotional offer: ​ 

• May be greater than the required minimum monthly payment that will be charged on your billing statement; ​ 

• Equals the greater of (a) the Amount Financed divided by the number of months in the Promo Period rounded to the next highest whole dollar, in which case it is only a suggested payment, or (b) $30, the currently required minimum monthly payment. ​ 

• Would pay off the Amount Financed within the Promo Period, but only if there are no other balances on your account at any time during the Promo Period and you make your payments on time. ​ 

In such event, your total payments will equal the Amount Financed.     ​ 

For this promotion, no interest will be charged on the amount financed 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.​ 

Pay Later with Synchrony Pay Monthly​

Available on purchases starting at $75. Loan terms available for 3 months to 60 months, with APRs ranging from 0% to 7.49%.​

• 3 Months 0% APR​
• 12 Months 0% APR​
• 24 Months 0% APR​
• 36 Months 0% APR​
• 60 Months 7.49% 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. ​

Actual monthly payment is based on the total value of all items in your cart, plus tax and shipping. Subject to credit approval. Synchrony Pay Later Installment Loans are provided by Synchrony Bank. Offer available online only.​