Furnishing a home is one of the most exciting parts of creating your dream lifestyle — but it can also be one of the most expensive. Furniture, décor, and appliances often come with hefty price tags. For this reason, the Raymour and Flanigan Credit Card has become an essential financing tool for customers who want quality furniture without financial stress.
This guide will walk you through everything you need to know about the Raymour and Flanigan Credit Card — including its features, benefits, login process, financing options, and insider tips to use it smartly in 2025.
1. What Is the Raymour and Flanigan Credit Card?
The Raymour and Flanigan Credit Card is a store-exclusive card issued by Comenity Bank, designed specifically for customers of Raymour and Flanigan — one of America’s most trusted furniture and home décor retailers.
This card lets you make big purchases and spread payments over time with special promotional financing. It’s a convenient option if you’re furnishing multiple rooms or buying premium furniture pieces that require flexible payments.
Key Highlights
| Feature | Details |
|---|---|
| Issuer | Comenity Bank |
| Usable At | Raymour and Flanigan stores & website |
| Annual Fee | None |
| Promotional Financing | 6, 12, 18, or 36 months “No Interest if Paid in Full” |
| APR (Variable) | 29.99% |
| Minimum Interest Charge | $2 |
| Late Payment Fee | Up to $41 |
| Customer Service | 1-866-226-5638 |
2. Why Choose the Raymour and Flanigan Credit Card?
Using the Raymour and Flanigan Credit Card offers several exclusive advantages compared to traditional credit cards.
2.1 Flexible Financing
The card provides “No Interest if Paid in Full” promotional periods, which can last 6, 12, 18, or even 36 months. This helps you manage big purchases without immediate financial pressure.
2.2 No Annual Fee
You won’t be charged yearly just for owning the card — saving you money in the long run.
2.3 Simple Online Management
Through Comenity Bank’s secure portal, you can manage payments, view statements, and track balances anytime.
2.4 Exclusive Deals
Cardholders often get early access to Raymour and Flanigan sales, holiday promotions, and clearance events.
2.5 Builds Credit
Regular on-time payments can boost your credit score, helping you qualify for better financial products later.
3. Raymour and Flanigan Credit Card Login Process
Managing your account online is one of the most convenient aspects of the Raymour and Flanigan Credit Card.
3.1 Steps to Log In
- Visit website and click ok sign up
- Enter your username and password.
- Click “Sign In” to access your dashboard.
Once logged in, you can:
- Check your account balance and available credit.
- View past transactions.
- Schedule or make payments.
- Update your personal information.
3.2 Forgot Password or Username
Click “Forgot Username / Password”, then verify your account using your ZIP code and card details. Reset your credentials quickly through email or SMS verification.
3.3 Register for Online Access
If you’re a new user:
- Click “Register Now.”
- Enter your Raymour and Flanigan Credit Card number, ZIP code, and last four digits of your SSN.
- Create a username and password to access your account.
3.4 Mobile Access
You can log in through the Comenity Bank mobile app, available on iOS and Android. It supports biometric login, secure payments, and push notifications for due dates.
4. How to Apply for the Raymour and Flanigan Credit Card
Applying for the card is quick and can be done online or in-store.
4.1 Online Application
- Visit Comenity Bank’s application page.
- Fill in your name, address, SSN, and income details.
- Review the terms and submit your application.
Most applicants receive an instant decision.
4.2 In-Store Application
Prefer a personal touch? Visit any Raymour and Flanigan showroom. A representative will help you fill out your form and submit it electronically.
4.3 Eligibility Requirements
| Requirement | Details |
|---|---|
| Age | Minimum 18 years |
| Residency | U.S. citizen or resident |
| Credit Score | Fair to Good (640+) |
| Income Verification | May be requested |
4.4 Tips for Approval
- Maintain a clean credit report.
- Keep your credit utilization low.
- Apply only if you plan to make significant purchases.
5. Financing and Promotional Options
The biggest appeal of the Raymour and Flanigan Credit Card lies in its flexible financing.
5.1 “No Interest if Paid in Full” Plans
- 6-Month Plan: Ideal for smaller purchases.
- 12-Month Plan: The most popular option for standard furniture sets.
- 18- or 36-Month Plan: Perfect for large orders or complete home makeovers.
Example:
A $3,000 sofa with a 12-month no-interest plan costs $250 per month. Pay it off within 12 months, and you’ll owe zero interest.
5.2 Deferred Interest Warning
If you fail to pay the full balance within the promotional term, interest is charged on the entire purchase amount from the original date — so always pay before the deadline.
5.3 Minimum Payment Policy
You must make the minimum monthly payment, but paying extra ensures faster payoff and better credit standing.
6. Raymour and Flanigan Credit Card Customer Service
If you need help, Comenity Bank offers dedicated support for Raymour and Flanigan Credit Card holders.
| Contact Method | Details |
|---|---|
| Phone | 1-866-226-5638 |
| Mailing Address | Comenity Bank, PO Box 183003, Columbus, OH 43218 |
| Website | d.comenity.net/raymourandflanigan |
| Hours | Mon–Sat: 8 AM–9 PM (EST) |
They can assist with payments, login issues, credit limit questions, or lost/stolen cards.
7. Managing Payments and Account Settings
7.1 Payment Methods
| Method | Description |
|---|---|
| Online Payment | Log in and pay directly via Comenity Bank’s portal. |
| Phone Payment | Call 1-866-226-5638 (automated or representative). |
| Mail Payment | Send check or money order to Comenity Bank, PO Box 183003, Columbus, OH 43218-3003. |
7.2 AutoPay Setup
Enroll in AutoPay to automatically deduct payments from your bank account monthly — never miss a due date again.
7.3 View Statements
Access electronic statements anytime online. Digital billing helps you monitor expenses securely and reduce paper waste.
8. Raymour and Flanigan Credit Card Fees and Terms
Before using your card, it’s important to understand the associated costs.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| APR (Variable) | 29.99% |
| Minimum Interest | $2 |
| Late Payment Fee | Up to $41 |
| Returned Payment Fee | Up to $41 |
Tip: To avoid interest altogether, always pay off your promotional balance before the offer period expires.
9. FAQs
Q1. Can I use my Raymour and Flanigan Credit Card at other stores?
No. It’s exclusively valid at Raymour and Flanigan retail locations and the official website.
Q2. Does this card improve my credit score?
Yes. Regular on-time payments are reported to major credit bureaus.
Q3. What happens if I miss a payment?
You’ll incur a late fee and possibly lose your promotional financing.
Q4. Can I pay off my balance early?
Yes, there’s no penalty for early payoff.
Q5. How do I contact customer support?
Call 1-866-226-5638 or visit the Comenity Bank website.
10. Mobile App & Digital Experience
The Comenity Bank app makes it easy to manage your Raymour and Flanigan Credit Card from anywhere.
App Features
- Real-time transaction updates.
- Secure biometric login (Face ID / Touch ID).
- One-tap payments.
- Push notifications for due dates.
It’s perfect for tech-savvy customers who prefer managing their finances digitally.
11. Pros and Cons of the Raymour and Flanigan Credit Card
| Pros | Cons |
|---|---|
| Flexible financing options | High APR if balance not paid in time |
| No annual fee | Usable only at Raymour & Flanigan |
| Simple online access | No cashback or reward points |
| Helps build credit | Deferred interest if not managed properly |
12. Alternatives to the Raymour and Flanigan Credit Card
| Option | Issuer | Key Benefit |
|---|---|---|
| Raymour and Flanigan Leasing Program | Progressive Leasing | Lease-to-own with no credit needed |
| Synchrony Home Credit Card | Synchrony Bank | Multi-store usability for home purchases |
| Capital One Walmart Rewards Card | Capital One | Cashback rewards on purchases |
If you shop at multiple stores, consider the Synchrony or Capital One cards for broader flexibility.
13. Smart Tips for Using the Card Responsibly
- Pay off your balance before the promotional period ends.
- Set payment reminders or use AutoPay.
- Keep credit utilization under 30%.
- Review statements regularly for accuracy.
- Use the card for planned furniture purchases only.
14. FAQ Section
Q1. What credit score do I need to qualify?
Usually 640 or higher gives you the best approval odds.
Q2. Can I use the card at Raymour and Flanigan Outlet Stores?
Yes, it’s accepted at all outlet and online branches.
Q3. How soon will I know if I’m approved?
Most applicants receive an instant online decision.
Q4. Can I increase my credit limit?
Yes, after several months of responsible use, you can request an increase.
Q5. Is the Raymour and Flanigan Credit Card worth it?
Absolutely — if you shop at Raymour and Flanigan frequently and pay your balance on time, this card provides real financial flexibility.
15. Final Thoughts
The Raymour and Flanigan Credit Card is a powerful financing tool for anyone looking to furnish their home affordably. With no annual fee, exclusive promotional financing, and online convenience, it simplifies the furniture-buying process.
However, it’s important to use it wisely. Always pay within your promotional term to avoid deferred interest and maintain a strong credit history. Managed properly, the Raymour and Flanigan Credit Card can turn big furniture dreams into affordable realities.
