Living Spaces Credit Card

Unlock Special Furniture Financing Offers with the Living Spaces Credit Card!

See if you Pre-qualify in seconds with no impact on your credit score, then apply in just one easy step. Once approved, enjoy flexible payment plans that make furnishing your home simpler than ever.

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Special Furniture Financing Offers

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*Interest will be charged on the the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.1242% 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. For New Accounts: New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
**Qualifying purchase amount must be on one 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 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. For New Accounts: New Accounts as of 7/31/25: 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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Explore common solutions for Synchrony Bank Credit Card issues.

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FAQs

Receiving Your Synchrony Card

Once your application is approved, you will receive your physical card in approximately 7-10 days. If it is a joint application, both parties will receive their physical card.

Your card and ID both must be present when making any purchases in store.

How can I make a Synchrony payment?

Payments can be made directly on the Synchrony Bank website, via the Synchrony app, or over the phone by calling Synchrony Bank at 866-396-8254.

When will Synchrony bill me?

Synchrony bills for item(s) as they come into your possession.

  • If you receive your order in multiple parts (take-with, pickup, delivery, etc.) you will be billed in multiple parts.
  • For example, if you take one item with you at the time of purchase & the remaining items are delivered the next day, you will see two charges on your account that total the amount of the order.

Your first bill will come in approximately 30 days after the receipt of your first item(s).

You may see on your statement the transaction(s) listed as La Mirada, CA which is our corporate headquarters.

Additional information to consider
If your order is being delivered through our out of network providers, you will be billed in full at the time of purchase, as the item ships immediately.

  • Our out of network providers service areas outside of our regular delivery area. Regular delivery area is subject to change.

The delivery address cannot be changed after the order is placed.

Can I use my Synchrony credit card online right after getting approved?

Yes, If you wish to complete the order online, simply save your credit card number once approved. If you do not save the number when approved, you can contact Synchrony bank to obtain your account number.

You can also bring a saved or printed approval letter in store to present to one of our sales representatives when you are ready to shop with us before receiving the physical LSF Credit Card. Please note that you will be required to fill out a paper application in store if you have applied online and do not have your card or printed approval form.