Floor & Decor Credit Account Application

Step 1: Application

Credit Card

Cardmember Benefits:

Optimize your savings with financing options that accommodate any project, big or small.


  • 6 months promotional financing*
  • 12 months promotional financing with purchases of $499 or more*
  • 48 months promotional financing for purchases $2,500 or more**

*,**See All Benefits

When applying for an individual application, the credit worthiness of a single applicant will be considered. When applying for a joint application, the creditworthiness of both applicants will be considered. For joint applications, only one sign in is available when signing up for online account access. After credit approval each applicant shall have the right to use this account and each applicant may be liable for all amounts of credit extended under this account to any Joint Applicant. An additional card will be issued to the person indicated on the application. The applicant (and joint applicant, if any) will be liable for all transactions made on the account including those made by any authorized user.

Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Intended Purchase Amount is the amount you plan to spend on your first purchase with this credit card, if you submit an application and your application is approved. Enter as a dollar amount with no dollar sign or decimal like this: 2000 for $2,000.00

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

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The Floor & Decor Credit Card account

The Floor & Decor Credit Card offers compelling financing options, giving you the flexibility to pay over time.* Benefits of the card include flexible payment options, no annual fee, and convenient account management.

  • 6 months promotional financing*
  • 12 months promotional financing with purchases of $499 or more*
  • 48 months promotional financing for purchases $2,500 or more**

*No Interest if Paid In Full within 6 or 12 months with the Floor & Decor Credit Card. Interest at the standard purchase APR will be charged to your Account from the date of purchase if the purchase is not paid in full within the promotional period. Minimum monthly payments are required during the promotional period, which may or may not pay off the purchase before the end of the promotional period. Repayment may be sooner for smaller balances. To make sure that you are not charged the interest accrued at the standard purchase APR of 29.99%, you must pay the total promotional purchase amount within the promotional period.

**7.99% APR for 48 months, thereafter 29.99% standard purchase APR on purchases of $2,500 or more made with your Floor & Decor Credit Card. If the purchase is not paid in full during the promotional period any remaining balance will be added to the regular purchase balance and subject to the standard purchase APR of 29.99%. Minimum payment set for 48 months, sooner for smaller balances. Minimum monthly payments for this plan during the promotional period will be the amount of the purchase, including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period, divided by 48 and rounded up to the nearest $1 (minimum $5). 

For All Financing Plans: The Total Minimum Payment on your Account won't be less than $35.00. If your Account balance is less than $35.00, you must pay the amount indicated on your statement in full. To avoid late fees, you must make your Minimum Payment by the Due Date each month. Minimum Interest Charge is $2.00 per Credit Plan. Standard Purchase APR of 29.99%. Promotional financing available with Floor & Decor Credit Card Accounts offered by Comenity Capital Bank. Subject to credit approval. Offer valid on purchases made at Floor & Decor.

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Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 11/12/2019: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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Your Temporary Account

Credit Card
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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.
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Know how to use your temporary account

You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

  • You may use this Temporary Shopping Pass for up to
  • A single transaction cannot exceed $0.00
  • You may use the Temporary Shopping Pass for up to 0 transactions
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