10 Benefits of Having a Raymour and Flanigan Credit Card (2024)

Credit Cards

ByGarrett ParkerPosted onUpdated on

10 Benefits of Having a Raymour and Flanigan Credit Card (1)

Before we get into the benefit of having a Raymour and Flanigan Credit Card, here’s some basic info about the company in case you’re not very familiar with it. It’s a furniture supplier that is quite well-known and widely popular. It was started in 1947 by two brothers. Their slogan has always been “furniture for every room” and they actually offer fine furniture for bedrooms, dining room, living rooms, and offices. The Raymour and Flanigan Furniture company currently operates locations in Connecticut, Delaware, Massachusetts, New Jersey, New York, Pennsylvania, and Rhode Island. They deliver, however, anywhere in the country.

Issued by Wells Fargo National Bank

For the purpose of financing furniture purchases at their stores, Raymour and Flanigan decided to issue their own retail credit card, as well as offering some other financing options. The cards are issued by Wells Fargo National Bank and four different finance options are available for consumers to choose from. They depend on purchase amounts and also include a preferred account option. So, here are the ten basic benefits of having a Raymour and Flanigan Credit Card just in case you’re interested in acquiring one yourself:

  1. R&F card features include no annual fee, zero percent APR on purchases (varying by the offer), four financing options designed for fitting your needs, 27.99 percent APR after the introductory period.
  2. The preferred account is your basic retail store cc but it requires no minimum purchase. This makes it an excellent option for consumers who are making smaller purchases of approximately $500 or less. It may not have some of the incentives of higher dollar purchases though.
  3. Take their longest-running intro APR option for example. This would give you more than two years for paying off your purchase. If you make a $4,000 purchase, paying it down over 26 months then your payments would be $154 or less. That seems to be an easily manageable payment, making it a pretty good deal for some consumers.
  4. Raymour & Flanigan is committed to assisting you with the achievement of your dream home. They know that it’s important to you to express your unique style via your home decor. Whether your current goal is to furnish an entire room or just add that special accent piece that provides visual flair, this furniture company has something to suit everybody.
  5. No matter what your budget and personal taste are, it’s pretty easy to find it in one of their stores or online. Whether you love classic, contemporary, or a mixture of both, you’ll probably be able to find it and at a competitive price. And, if you have your Raymour and Flanigan Credit Card at the ready, financing your choices is easy.
  6. Raymour & Flanigan is a furniture company that is Environmentally Friendly. They take great pride in their recycling efforts and their contributions by using sustainable energy, making them an eco-friendly company. In fact, they actually believe it’s their responsibility to care about the environment and making the planet greener. So, when you’re using your Raymour & Flanigan credit card to buy new furniture, you’re helping the environment, too.
  7. When you apply for a Raymour & Flanigan credit card, you’ll find that the process is secure and easy. Their custom-fit financing means that, as soon as you’re approved, you can start your online shopping experience or shop in one of their many stores if you prefer and there’s one nearby. In-store purchases do require a valid photo ID.
  8. There are a number of financing offers and, after credit approval, you could be eligible to choose from multiple credit offers, depending upon the amount of your order total. At the end of the online checkout process, you can see the available credit offers.
  9. You can get preferred financing where the standard purchase APR is applied. Any account without any prior balance will not be charged any interest when paid in full by the first due date.
  10. The other options include 60-Months/ no interest with equal payments on a minimum purchase of $6,000.00; 48-months/ no interest with equal payments on a minimum purchase of $4,800.00; 36-Months/ no interest with equal payments on a minimum purchase of $3,600.00; and a no interest plan when paid in full within 18-Months with no money down and no interest whatsoever if paid in full within 18-Months.

So, as you can see, these 10 Benefits of Having a Raymour and Flanigan Credit Card show the options available and, I must say, they look pretty good. All you need to do now is find that perfect piece or maybe even an entire roomful of furniture and just say “Charge it!”.

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10 Benefits of Having a Raymour and Flanigan Credit Card (2)

Garrett Parker

Garrett by trade is a personal finance freelance writer and journalist. With over 10 years experience he's covered businesses, CEOs, and investments. However he does like to take on other topics involving some of his personal interests like automobiles, future technologies, and anything else that could change the world.

10 Benefits of Having a Raymour and Flanigan Credit Card (2024)

FAQs

What are the benefits of having a credit card? ›

Benefits of Credit Cards
  • Easy access to credit. The biggest advantage of a credit card is its easy access to credit. ...
  • Building a line of credit. Credit cards offer you the chance to build up a line of credit. ...
  • EMI facility. ...
  • Incentives and offers. ...
  • Flexible credit. ...
  • Record of expenses. ...
  • Purchase protection.

Does Raymour and Flanigan have a credit card? ›

Keep in mind that the Raymour & Flanigan Credit Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score.

What credit company do Raymour and Flanigan use? ›

Raymour & Flanigan and TD Bank both work with Experian for credit reporting information.

Do Raymour and Flanigan employees get a discount? ›

We value our associates by providing competitive pay, benefits, 401k and profit sharing, tuition reimbursement, wellness programs, training and development, a generous associate discount, volunteer opportunities and much more.

What are 3 benefits of using a credit card for purchases? ›

Credit card benefits
  • Rewards such as cash back, miles, or points.
  • Protection against fraud.
  • Increased purchasing power.
  • Not linked to a checking or savings account.
  • Putting a hold on a rental car or hotel room.
  • Building credit history.
Sep 13, 2023

What are the pros and cons of a credit card? ›

The pros of credit cards range from convenience and credit building to 0% financing, rewards and cheap currency conversion. The cons of credit cards include the potential to overspend easily, which leads to expensive debt if you don't pay in full, as well as credit score damage if you miss payments.

What bank is Raymour and Flanigan? ›

Get in stock items fast

Thank you for being a Raymour & Flanigan credit card carrier. With this card, issued by TD Bank, N.A., you're among the first to know about our incredible savings offers like the ones below.

What is Raymour and Flanigan known for? ›

Raymour & Flanigan sells home furniture including living room, dining room and bedroom furniture and mattresses. Purple bedding products, such as hybrid mattresses, pillows and sheets, are available at all Raymour & Flanigan showrooms.

What is the Raymour and Flanigan 45 day guarantee? ›

Some promotions, discounts, credit offers, and other programs may be exclusive to our showrooms. Prices on our website are non-negotiable. If you find the same product at a lower price within 45 days, we will gladly match that price.

How much does Raymour and Flanigan pay? ›

The average Raymour & Flanigan salary ranges from approximately $30,000 per year for Supervisor to $125,000 per year for Regional Director. Average Raymour & Flanigan hourly pay ranges from approximately $14.49 per hour for Assembler to $24.75 per hour for Stocking Associate.

What is the employee discount at HM? ›

As you already know, the prices at H&M are great – but as an employee, they're even better. All our employees are entitled to receive 25% from all H&M brands including H&M, &Other Stories, and COS.

What does an employee discount? ›

Employee discounts refer to the discount given on the original price of the goods or services by the company to their employees. Generally an employee discount is given as one of the fringe benefits.

Why is it worth getting a credit card? ›

Credit cards are convenient and secure, they help build credit, they make budgeting easier, and they earn rewards. And no, you don't have to go into debt, and you don't have to pay interest.

What is the real purpose of a credit card? ›

A credit card can be a simple and flexible way of borrowing money. Every time you pay with a credit card, you borrow from your card provider to make that payment. It's up to you whether you pay off your statement balance in full each month or over time.

Are credit cards good or bad for you? ›

High credit card interest rates — and how quickly they can result in mounting debt balances — are a downside of credit cards. But if you pay off your balance in full and on time, you can reap benefits like rewards and a strong credit score.

Why is a credit card better than a debit card? ›

Credit cards often offer better fraud protection

With a credit card, you're typically responsible for up to $50 of unauthorized transactions or $0 if you report the loss before the credit card is used. You could be liable for much more for unauthorized transactions on your debit card.

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