Raymour and Flanigan Credit Card: Everything You Need to Know

If you’ve shopped for furniture in the northeastern U.S., chances are you’ve come across Raymour and Flanigan, a popular retailer known for its stylish, high-quality pieces and wide selection. But what about their credit card? If you’re looking to finance a large furniture purchase or take advantage of special promotions, the Raymour and Flanigan Credit Card might be a helpful tool. In this article, we’ll break down everything you need to know benefits, terms, pros and cons, and whether it’s worth it.

What Is the Raymour and Flanigan Credit Card?

The Raymour and Flanigan Credit Card is a store credit card issued by TD Bank, N.A., designed specifically for purchases at Raymour and Flanigan stores and online. It’s not a general-purpose credit card and can only be used at their locations.

It’s primarily geared toward customers who want flexible financing options when buying furniture, mattresses, or home décor.

Key Features of the Raymour and Flanigan Credit Card

• Special financing offers
• Deferred interest plans
• Exclusive promotions
• Online account management
• No annual fee

Let’s dive into what these actually mean for you.

Special Financing Offers: How Do They Work?

Raymour and Flanigan frequently offer 0% interest financing for set periods. Some common promotions include:

These offers are deferred interest plans meaning if you pay off your balance within the promotional period, you won’t owe any interest. However, if you don’t pay it off in full by the end, you could be charged retroactive interest from the purchase date.

Deferred Interest vs. 0% APR: What’s the Difference?

It’s important to note that deferred interest is different from a true 0% APR card. With deferred interest, if you miss the payoff deadline by even a day, you could be hit with months (or years) of interest all at once.

This is where some people get caught off guard, so read the fine print carefully.

Eligibility Requirements

To apply for the Raymour and Flanigan Credit Card, you generally need:

• A fair to good credit score (usually 620+)
• Proof of income
• Government-issued ID

Credit approval depends on your overall credit profile, and approval is not guaranteed.

How to Apply

You can apply:

• In-store at any Raymour and Flanigan location
• Online through their official website

The application process is quick, and you’ll usually receive an instant decision.

Managing Your Account

Once approved, you can manage your credit card account through:

• TD Bank’s online portal
• Mobile banking app
• Customer service line

You’ll be able to check balances, make payments, view statements, and set up autopay.

Pros of the Raymour and Flanigan Credit Card

✅ Financing Big Purchases Made Easier

Let’s face it — furniture can get expensive fast. This card allows you to break your payment into more manageable chunks.

✅ No Annual Fee

Unlike many credit cards, this one doesn’t charge you just to keep it open.

✅ Access to Exclusive Offers

Cardholders often get early access to sales or exclusive discounts.

✅ Instant In-Store Credit

If you apply in-store, you can often use your credit line immediately.

Cons of the Raymour and Flanigan Credit Card

❌ Only Works at Raymour and Flanigan

Since it’s a store card, you can’t use it at other retailers or for general purchases.

❌ Deferred Interest Risk

If you don’t pay off your balance in time, you’ll be charged retroactive interest, which can be expensive.

❌ High Regular APR

Once the promotional period ends, standard APR is usually over 29.99% — much higher than most general credit cards.

❌ No Rewards Program

Unlike other cards, you won’t earn points, cash back, or other perks.

Final Thoughts

The Raymour and Flanigan Credit Card can be a helpful financial tool for the right person especially if you’re eyeing that new sectional, dining set, or bedroom upgrade. Just make sure you understand the terms, plan your payments, and don’t overspend. Used wisely, it can give you the breathing room you need to furnish your space without breaking the bank upfront.

FAQs

Q1: Can I use the Raymour and Flanigan Credit Card elsewhere?
No, it’s a store-specific card and can only be used at Raymour and Flanigan.

Q2: What happens if I miss a payment?
You may face late fees and increased interest charges. It also risks your promotional 0% interest deal.

Q3: Is there a minimum purchase amount for financing?
Yes, promotions often require minimum purchase thresholds (like $999 or more).

Q4: Can I pay off early without penalties?
Yes! You can pay off your balance early with no prepayment penalties and it’s encouraged.

Q5: How long does approval take?
Usually, you’ll get a decision within minutes, especially when applying online or in-store.