WalletHub Rating
2.9/5
Havertys Credit Card has a rating of 2.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Havertys Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, Havertys Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 2.8/5 for APR, and 3.2/5 for User Reviews.Info about the Havertys Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
23 reviewsRead and write reviews
Market Comparison
Market Comparison
2.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
2.5
APR
2.8
2.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 36 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Havertys Credit Card's Additional Info
Deferred Interest Details: No interest if paid in full within 6, 12 or 18 months with no minimum purchases required.
Equal Monthly Payment Financing: 0% APR for 24 or 36 months on purchases of at least $999 or $2,999. A minimum of 10% down payment will be required.
Online account management.
When enrolled in eBill you'll be able to see your monthly statement online.
show more
Learn More
at Synchrony Bank's secure site
Havertys Credit Card Pros & Cons
No membership fees
Qualify with fair credit
No rewards
High regular APR
Deferred interest
Compare The Havertys Credit Card vs. Popular Alternatives
 Havertys Credit Card |  Blue Cash Preferred® Card from American Express |  Costco Anywhere Visa® Card by Citi |
|---|---|---|
2.9WalletHub Rating WalletHub Rating 2.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.2 Market Comparison 2.8 fees: 5.0 rewards: 0.0 cost: 2.5 APR: 2.8 | 4.0WalletHub Rating WalletHub Rating 4.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.9 Market Comparison 3.9 fees: 2.1 rewards: 4.3 cost: 4.6 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 intro 1st yr, $95 after | annual fee$0 |
Purchase Intro APR0%for6 - 36 months | Purchase Intro APR0%for12 months | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr0% for 12 months|Transfer Fee: 3% (min $5) | transfer intro aprNot Offered |
Regular APR29.99% | Regular APR19.24% - 29.99% (V) | Regular APR20.49% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now Terms Apply | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Havertys Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
5
Upvotes
Does the Harvertys Credit Card do a hard pull?
Reply
5
WalletHub
@WalletHub
Yes, the Harvertys Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the Harvertys Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.
3
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Havertys Credit Card Reviews
Share your insights and review for the Havertys Credit Card
5
22%
4
22%
3
30%
2
13%
1
13%
3.2
23 reviews
23 reviews
What's Your Rating?
Ronald Morrow
@RonaldMorrow
5 Star Rating
No problem with this credit card. I guess, I will find more when the card is paid off. I don't think I will have a problem with this card. I don't have any problem with any of my accounts.
Comment
Cynthia
@cynthia_j_fry
5 Star Rating
Doing business with Haverty ‘s is a pleasure. No billing issues at all. Plan to keep this card for furniture replacement needs I recommend them highly for future needs. They stand behind their products and replaced any defective purchases
Comment
Lori
@loril_46
5 Star Rating
Went to Memphis tn to purchase furniture for my new apartment. After going to 4 other stores I went to
Havertys and was very impressed with there selection and quality of furniture. I opened up a line of credit that day for my purchase and I have had it paid off now got several months. Very good customer service!
Comment
+ 20 WalletHub users submitted a rating without writing a full review
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* The information about the following cards has been independently collected by WalletHub: Rooms To Go Credit Card, La-Z-Boy Furniture Galleries Credit Card, Pottery Barn Credit Card, and West Elm Store Card.
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Offer last updated: Jun 13th, 2024 at 14:39 ET
