Floor & Decor Credit Card
Take advantage of special financing to get started on your next project today
18 Months
No interest if paid in full within 18 months*
On purchases of $1,999 or more.
| Amount Financed | Suggested 18 Equal Monthly Paymentsx | Total Amount Paid |
|---|---|---|
| $2,500 | $139 | $2,500 |
| $4,000 | $223 | $4,000 |
| $8,000 | $445 | $8,000 |
48 Months
6.99% APR for 48 Months‡
On purchases of $2,500 or more.
| Amount Financed | Fixed 48 Monthly Payments Required | Total Amount Paid (Including Interest) |
|---|---|---|
| $2,500 | $60 | $2,873 |
| $4,000 | $96 | $4,597 |
| $8,000 | $192 | $9,194 |
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If prequalified, you can see your credit limit, accept the offer and complete your application in just a few minutes.
Tackle any project.
Choose the financing offer that works best for you.
No Interest If Paid in Full Within
6, 12, or 18 Months*
Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.
18 Months offer applies to purchases of $1,999+
12 Months offer applies to purchases of $999+
6 Months offer applies to purchases of $299+
6.99% API
for 48 Months‡
On purchases of $2,500 or more with your
Floor & Decor Credit Card.
48 fixed monthly payments required.
Frequently Asked Questions
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xThe Suggested Equal Monthly Payment shown at Checkout which includes taxes and delivery may be greater than the required minimum monthly payment that will be on your billing statement when you use the 12 or 18-month promotional financing offer (based on qualifying purchase amount).
This estimated payment:
- Equals the Promotional Purchase Amount divided by 12 or 18 rounded to the next highest whole dollar.
- Would pay off the Promotional Purchase Amount within the applicable 12 or 18 months, but only if there are no other balances on your account at any time during the applicable 12 or 18-month promotional period and you make your payments on time.
Your total payments will equal the amount of the Promotional Purchase Amount.
If the Promotional Purchase Amount is not paid in full within 12 or 18 months, interest will be charged to your account from the purchase date and your total payments will be greater than the amount of the Promotional Purchase Amount.
*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. A Promo Fee does not apply to this offer. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this promotional financing offer at any time.
†Subject to credit approval. In order to qualify for this offer, you must open a new Floor & Decor Credit Card account and use your new account to make a qualifying single receipt purchase of $299+ after discount. Offer is valid for newly opened Floor & Decor accounts only and the discount can only be applied once per account.
‡Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged on the promo purchase amount from the purchase date at a reduced 6.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.3942% of initial total promo purchase amount, rounded up to the next whole dollar and may be higher than the payments that would be required if the purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Any estimated required monthly payment shown (which may exclude taxes and delivery) in connection with this promotional offer should allow you to pay off the promotional purchase amount within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. The sum of the required monthly payments will equal the cost of the amount financed. Regular account terms apply to non-promo purchases. New Accounts as of 07/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. A Promo Fee does not apply to this offer. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this promotional financing offer at any time.
**Subject to credit approval.