What the Living Spaces Credit Card Does

The Living Spaces credit card is a store card issued by Comenity Bank that you can use at Living Spaces furniture stores and online. It works like most retail cards: you charge purchases to the account, receive a bill, and pay it back over time. The card comes with financing offers—typically promotional periods where you pay no interest if you pay off the balance within a set timeframe, usually 12 to 24 months depending on the purchase amount.

This card is designed for people who shop at Living Spaces regularly or are planning a large furniture purchase. Unlike a general-purpose credit card, you can only use it at Living Spaces locations and their website. The card reports to the three major credit bureaus, so on-time payments help your credit history, and missed payments hurt it.

Key Takeaways

  • The Living Spaces card offers interest-free financing for 12 to 24 months on purchases that meet a minimum amount, usually $399 or higher.
  • You can only use this card at Living Spaces stores and their website, not at other retailers.
  • If you do not pay off the promotional balance before the period ends, you owe interest on the remaining amount at the card's regular APR, which varies by creditworthiness.
  • The card is issued by Comenity Bank and reports to credit bureaus, so responsible use builds credit history while missed payments damage it.
  • You need to meet Comenity's credit requirements to be approved, though the exact score threshold is not publicly stated.

How the Promotional Financing Works

When you make a purchase at Living Spaces that meets the minimum amount—typically $399—you can choose to enroll in a promotional financing offer at checkout. The most common offers are 12 months, 18 months, or 24 months interest-free, depending on the purchase size and current promotions. During this period, you pay no interest as long as you make your regular monthly payments on time.

The key rule: you must pay off the entire promotional balance before the period ends. If you do, you owe nothing extra. If you do not, the remaining balance is charged interest at the card's regular APR retroactively—meaning interest accrues back to the original purchase date, not just from the end of the promotional period forward. This can add hundreds of dollars to what you owe.

Living Spaces and Comenity send you statements and reminders, but it is your responsibility to track the end date and may support the balance is paid in full. Set a phone reminder or calendar alert for one month before the promotional period ends so you have time to pay or contact the card issuer if you need help.

Interest Rates and Fees

The Living Spaces card's regular APR—the rate you pay on non-promotional purchases or if you do not pay off a promotional balance in time—varies based on your creditworthiness. Comenity does not publish a specific range, but retail cards typically range from 18% to 29% APR. You will see your exact APR on your first statement or in your account online after approval.

The card does not charge an annual fee, which is standard for most retail store cards. However, you may be charged a late fee if you miss a payment, and you will owe interest on any balance that carries over month to month outside of a promotional period.

If you carry a balance on a promotional purchase and miss the payoff important date, the interest charge is calculated on the full original purchase amount from the purchase date forward. For example, a $2,000 purchase at 24% APR that you do not pay off in 12 months could owe $480 in retroactive interest alone.

How to Get Approved and set up Your Card

You can request the Living Spaces card in-store at any Living Spaces location or online through their website. The process takes a few minutes and asks for your name, address, date of birth, Social Security number, income, and employment information. Comenity performs a hard credit inquiry, which temporarily lowers your credit score by a few points.

Approval decisions are usually when ready or within a few minutes. If approved, you can use the card when ready in-store or online at Living Spaces. If you applied online, you may receive a temporary card number to use right away, with a physical card arriving by mail within 7 to 10 business days. If you applied in-store, ask the associate whether you can use the card that day or if you need to wait for the physical card.

To set up a physical card when it arrives, call the number on the back of the card or log into your online account and follow the set up steps. You will need to verify your identity with the last four digits of your Social Security number and your date of birth.

Managing Your Account and Avoiding Pitfalls

Once you have the card, set up online account access through Comenity's website or app so you can check your balance, make payments, and track your promotional period end date. Most cardholders can pay online, by phone, or by mail. Online and phone payments typically post within one business day.

The most common mistake is forgetting the promotional period end date. If you are carrying a promotional balance, mark your calendar for the last day you can pay it off interest-free. Paying even one day late means you owe retroactive interest on the entire amount. If you think you will not be able to pay off the balance in time, contact Comenity before the period ends—they sometimes offer extensions or alternative arrangements, though this is not may provide.

Make at least the minimum payment every month, even during a promotional period. Missing a payment can trigger a late fee, raise your APR, and damage your credit score. If you are struggling to pay, call the number on your statement and ask about hardship options before you miss a payment.

Keep your account in good standing if you want to use promotional financing again in the future. Comenity reviews your payment history when you request new promotional offers, and a history of missed payments or late fees can disqualify you from future deals.

When the Living Spaces Card Makes Sense

This card is most useful if you are buying a large piece of furniture or furnishing a whole room and can pay off the purchase within the promotional period. If you need a $2,000 sofa and can pay it off in 12 months, the interest-free financing saves you money compared to paying cash when ready or using a regular credit card at 18% to 24% APR.

The card is less useful if you shop at Living Spaces only occasionally or make small purchases. You do not get rewards points or cash back, so there is no benefit to using it for a $50 lamp. A general-purpose credit card with cash back or points would serve you better for small purchases.

If you have poor credit or are rebuilding, the Living Spaces card may be harder to get approved for than a secured credit card, which requires a cash deposit. However, if you are approved, using it responsibly and paying on time helps your credit score because the card reports to all three bureaus.

Comparing the Living Spaces Card to Other Options

If you are considering the Living Spaces card, you have other ways to finance a furniture purchase. A personal loan from a bank or credit union often has a lower APR than a store card's regular rate, though you do not get an interest-free promotional period. A general credit card with a 0% APR promotional offer for 12 to 21 months is another option, though you may not may have access to depending on your credit score.

Some furniture retailers offer their own financing through third-party lenders like Affirm or Klarna, which let you split the purchase into installments. These services charge interest or fees depending on the plan you choose, but they do not require a credit inquiry and may be easier to get approved for if your credit is limited.

If you have a high credit score and access to a rewards credit card with a 0% APR promotional period, that card might save you more money than the Living Spaces card because you earn points or cash back on top of the interest-free period. Compare the total cost of each option before you decide.

Frequently Asked Questions

What happens if I do not pay off the promotional balance by the end date?

You owe interest on the remaining balance at the card's regular APR, calculated retroactively from the original purchase date. This means interest accrues backward to day one, not just from the end of the promotional period. For a large purchase, this can add hundreds of dollars to what you owe. Contact Comenity before the important date if you think you will miss it.

Can I use the Living Spaces card anywhere other than Living Spaces?

No. This is a store card that works only at Living Spaces locations and their website. You cannot use it at other furniture stores or retailers. If you need a card for general purchases, you need a separate credit card.

How long does it take to get approved?

Most decisions are when ready or within a few minutes. If you applied online, you may receive a temporary card number when ready to use at Living Spaces. A physical card typically arrives within 7 to 10 business days. In-store applications may allow you to use the card the same day, depending on the location.

Does the Living Spaces card hurt my credit score?

The process triggers a hard inquiry, which lowers your score by a few points temporarily. However, opening the account and using it responsibly—making on-time payments and keeping your balance low—helps your credit score over time because it adds to your payment history and credit mix. Missed payments or high balances hurt your score.

What if I want to return an item I bought with the card?

Follow Living Spaces' return policy. The refund goes back to your card account as a credit. If you are in a promotional financing period, the refund reduces the promotional balance you need to pay off, which can help you avoid interest charges if the refund is large enough.