What Jordan's Furniture Credit Card Is

Jordan's Furniture Credit Card is a store card issued by Comenity Bank that you can use to make purchases at Jordan's Furniture locations and online. The card comes with promotional financing offers—typically interest-free periods on purchases over a certain amount—and a rewards program that gives you points on every dollar you spend. You can also use it to pay your Jordan's Furniture bill, track your account online, and manage your payment schedule.

This is not a general-purpose credit card. You can only use it at Jordan's Furniture and its sister brand, Sleepy's. If you want a card that works everywhere, you would need a different card. But if you shop at Jordan's regularly, the promotional rates and rewards might make it worth having.

Key Takeaways

  • Jordan's Furniture Credit Card offers promotional financing periods—usually 0% interest for 12 to 24 months on purchases above a minimum amount—but interest rates explore if you miss a payment or don't pay off the balance by the end of the promotional period.
  • You earn rewards points on every purchase, which you can redeem for discounts on future Jordan's Furniture purchases.
  • The card is issued by Comenity Bank, and you manage your account through their online portal or by calling customer service.
  • You need to meet Comenity Bank's credit requirements to be approved, which typically means a credit score in the fair to good range, though the exact threshold is not published.
  • Late payments, missed payments, or failing to pay off a promotional purchase by the important date can result in interest charges and damage to your credit score.

How the Promotional Financing Works

When you use the Jordan's Furniture Credit Card to buy furniture or mattresses, you may may have access to for a promotional financing offer. These offers vary by purchase amount and timing—for example, you might see 0% interest for 12 months on purchases of $1,500 or more, or 0% for 24 months on purchases of $2,500 or more. Jordan's advertises these offers in-store and online, and the terms appear on your receipt and in your account.

The key rule is that you must pay off the entire promotional purchase by the end of the promotional period. If you do, you pay no interest. If you don't, Comenity Bank charges you interest on the remaining balance—and the interest rate is typically 21% to 29.99% APR, depending on your creditworthiness and the terms of your account. This interest is charged retroactively, meaning it applies to the full promotional period, not just the time after the offer ends.

For example, if you buy a $2,000 sofa with 0% interest for 12 months and pay $1,500 by month 12, you owe interest on the full $2,000 for all 12 months, not just on the remaining $500. This makes it critical to set a payment plan before you buy and stick to it.

Rewards Points and How to Use Them

Every time you use your Jordan's Furniture Credit Card, you earn rewards points. The exact earning rate is not widely published, but typically store cards earn 1 point per dollar spent or similar. You can check your current points balance in your online account or by calling Comenity Bank customer service.

You redeem points for discounts on future purchases at Jordan's Furniture. The redemption value varies—some programs let you redeem points for a percentage off your next purchase, while others let you convert points to a dollar amount. Check your account or ask a sales associate for the current redemption rates, as these can change.

Points do not expire as long as your account remains open and in good standing. However, if your account is closed or goes to collections, you may lose your points balance. This is another reason to keep your account current even if you are not actively using the card.

How to Manage Your Account Online and by Phone

Your Jordan's Furniture Credit Card account is managed through Comenity Bank's online portal. You can create an account at the Comenity website or through the Jordan's Furniture website, where you will find a link to manage your card. Once you log in, you can view your balance, make payments, see your rewards points, review your promotional offer details, and read statements.

Payments can be made online, by phone, or by mail. Online and phone payments typically post within one business day. If you pay by mail, allow at least 10 business days for the payment to arrive and be processed. You can set up automatic payments if you want the card to deduct a fixed amount from your bank account each month, though you are responsible for making sure the amount covers your minimum payment or your promotional important date.

If you have questions about your account, promotional terms, or rewards, call Comenity Bank customer service at the number on the back of your card. They can also help you if you are having trouble logging into your online account or if you need to report a lost or stolen card.

What Happens If You Miss a Payment

If your payment is late by 30 days or more, Comenity Bank will report it to the credit bureaus, and it will appear on your credit report for up to seven years. A late payment can lower your credit score by 100 points or more, depending on your current score and credit history. This affects your ability to borrow money for a car, a home, or other purposes.

Additionally, if you miss a payment on a promotional purchase, the promotional financing offer is typically cancelled when ready. This means the remaining balance is no longer at 0% interest—it reverts to the regular APR, and interest is charged retroactively to the start of the promotional period. You also may be charged a late fee, which is typically $25 to $40 depending on your account terms.

If your account goes 180 days without payment, Comenity Bank may close your account and send it to a collections agency. At that point, you owe the full balance plus any interest and fees, and a collections account on your credit report is even more damaging than a late payment.

Credit Requirements and How to Know If You may have access to

Comenity Bank does not publish the exact credit score needed to be approved for the Jordan's Furniture Credit Card. However, store cards generally have lower credit requirements than general-purpose credit cards, and Comenity Bank is known for approving people with fair credit (scores in the 580 to 669 range). If your credit score is below 580, approval is less likely but not impossible.

When you explore, Comenity Bank will pull a hard inquiry on your credit report. This temporarily lowers your score by a few points and stays on your report for two years. If you are denied, you can ask Comenity Bank for the reason—they are required to tell you. Common reasons include insufficient credit history, too many recent inquiries, or a high debt-to-income ratio.

If you are denied, you can reapply after three to six months if you have improved your credit situation—for example, by paying down other debts or correcting errors on your credit report. explore multiple times in a short period will hurt your score more, so space out applications.

Comparing This Card to Other Options

The Jordan's Furniture Credit Card makes sense if you plan to buy furniture or mattresses from Jordan's regularly and can pay off promotional purchases on time. The 0% financing can save you hundreds of dollars in interest compared to paying cash or using a general credit card.

However, if you only shop at Jordan's occasionally, a general-purpose rewards credit card might be better. Those cards work everywhere, often have higher rewards rates, and do not penalize you with retroactive interest if you miss a important date. They also typically offer better fraud protection and purchase protections.

If you have a low credit score and are worried about being denied, remember that a hard inquiry will still lower your score even if you are approved. Consider whether you truly need the card before explore, or whether you could save up and pay cash instead.

Frequently Asked Questions

Can I use the Jordan's Furniture Credit Card anywhere besides Jordan's?

No. The card works only at Jordan's Furniture locations and online at jordans.com, and at Sleepy's mattress stores. If you need a card for other purchases, you need a different credit card.

What happens if I pay off my promotional purchase early?

You pay no interest, and the promotional offer ends. There is no penalty for paying early. In fact, paying early is the safest way to avoid interest charges, because you eliminate the risk of missing the important date.

Do I have to use the promotional financing, or can I just pay cash?

You can pay cash at any time. If you open a Jordan's Furniture Credit Card account but never use it, you still have an open account that may be reported to the credit bureaus. If you do not plan to use the card, you can close it by calling Comenity Bank.

What is the credit limit on the Jordan's Furniture Credit Card?

Your credit limit depends on your credit score, income, and credit history. Comenity Bank will tell you your limit when you are approved. You can request a credit limit increase after you have had the card for several months and have made on-time payments.

If I am denied, can I reapply right away?

You can reapply, but another hard inquiry will lower your score further. It is better to wait three to six months, improve your credit situation if possible, and then reapply. Multiple applications in a short time signal to lenders that you are desperate for credit, which makes them less likely to approve you.