Tag: furniture shopping tips

La-Z-Boy Furniture Galleries Credit Card: Your Ticket to Stylish Living

Designed for furniture enthusiasts and home décor aficionados, the La-Z-Boy Furniture Galleries Credit Card offers not just a means of payment but a gateway to elegant living spaces. Issued by Synchrony Bank, this co-branded credit card prioritizes providing exclusive rewards for La-Z-Boy customers. Below, we delve into the various aspects of the card, including its features, benefits, and potential drawbacks.

1. Card Name and Issuer

The card in question is the La-Z-Boy Furniture Galleries Credit Card, and it is issued by Synchrony Bank, a well-known issuer of retail credit cards.

2. Card Type

This is a co-branded credit card specifically focusing on offering benefits and rewards for purchases made at La-Z-Boy Furniture Galleries, making it a great option for loyal customers.

3. Annual Fee

One of the appealing features of the La-Z-Boy Furniture Galleries Credit Card is that it comes with no annual fee. This makes it accessible for customers who want to benefit from the card’s offerings without incurring a yearly cost.

4. Rewards Program

The rewards program is quite attractive as it provides 5% back on purchases made at La-Z-Boy Furniture Galleries. Rewards can be redeemed as cashback or can also be utilized for future purchases within the store, providing flexibility for cardholders who frequently shop there.

5. Sign-Up Bonus

New applicants can enjoy a stellar sign-up bonus where you can earn up to $100 off your first purchase after spending a specified amount within the first 90 days. This makes it a compelling option for those looking to invest in new furniture.

6. APR (Annual Percentage Rate)

The regular APR for the La-Z-Boy Furniture Galleries Credit Card ranges from 27.99% to 29.99%, depending on your creditworthiness. Keep an eye out for any introductory offers that may provide a lower rate for an initial period.

7. Foreign Transaction Fees

Travel enthusiasts will appreciate that the La-Z-Boy Furniture Galleries Credit Card does not charge any foreign transaction fees. This feature encourages card usage even when shopping internationally.

8. Balance Transfer Options

Currently, there are no promotional balance transfer offers available with this card, which is something to consider if you are looking to shift high-interest debt.

9. Additional Fees

Be aware of additional fees, including a late payment fee of up to $39 and a cash advance fee of either $10 or 5% of the cash advance amount, whichever is greater.

10. Card Benefits and Perks

Beyond rewards, cardholders enjoy several benefits such as exclusive promotions throughout the year on La-Z-Boy products, allowing savvy shoppers to make the most of their investments.

11. Customer Protections and Insurance

The card offers a robust suite of customer protections. These include fraud liability, ensuring you’re not responsible for unauthorized purchases. Additionally, it may provide purchase protection, covering new qualifying purchases against theft and damage.

12. Eligibility and Credit Score Requirements

To qualify for the La-Z-Boy Furniture Galleries Credit Card, applicants typically need a credit score of 660 or higher. However, other factors, like income and credit history, will also be considered during the approval process.

13. Introductory Offers

This card does not prominently feature substantial introductory offers; however, keep an eye out for potential promotional periods that may arise.

14. Special Features or Unique Selling Points

What sets the La-Z-Boy Furniture Galleries Credit Card apart from other retail cards is its focus on home furnishings. The exclusive discounts and rewards accrue faster for cardholders who frequent La-Z-Boy, enhancing the overall shopping experience.

15. How to Apply

Ready to enhance your home with the La-Z-Boy Furniture Galleries Credit Card? You can ‘>Apply Here and transform your home into a space you love!

For additional financial insights and tips on how to maximize your credit card benefits, check out UpCube.net.