Bernie & Phyl's Furniture Credit CardBernie & Phyl's Furniture Credit Card

Bernie & Phyl's Credit Card

By Wells Fargo Bank, N.A. with approved credit

Reduced rate of 8.99% APR with regular payments. 


1 The Bernie & Phyl's credit card is issued by Wells Fargo Bank, N.A. Special terms of 6 or 12 months apply to qualifying purchases charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional (special terms) period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 01/02/2022 and is subject to change. For current information, call Wells Fargo at 1-800-431-5921

2 The Bernie & Phyl's credit card is issued by Wells Fargo Bank, N.A. Special terms of 24, 36, 48 or 60 months apply to qualifying purchases charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 01/02/2022 and is subject to change. For current information, call Wells Fargo at 1-800-431-5921

3 Monthly payment is based on purchase price alone excluding taxes and shipping. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.

4 The Bernie & Phy’s credit card is issued by Wells Fargo Bank, N.A. Special terms of 36 months apply to qualifying purchases charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. Regular monthly payments are required during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 01/02/2022 and is subject to change. For current information, call Wells Fargo at 1-800-431-5921. 

A 20% deposit is required for all special orders. Please see store for details.

0% APR for 24, 36, 48 or 60 months with equal payments and Special Financing for 36 months options are available in store only.

0% APR for 24, 36, 48 or 60 months with equal payments option cannot be combined with any other offer unless specified.

View the Bernie & Phyl's Furniture credit card agreement and disclosures online.

Please Note:
Your first online purchase using your Bernie & Phyl's/Wells Fargo Credit Card will require ID verification at one of our stores. Please contact us if you have questions.


How do I make a payment on my Bernie & Phyl’s Credit Card?

You can make a payment on your Bernie & Phyl’s Credit Card via Wells Fargo Retail Services customer website or by calling 1-800-869-3557.  


Other Options

Affirm Financing

No Credit Needed by West Creek at Bernie & Phyl's FurnitureNo Credit Needed by West Creek at Bernie & Phyl's Furniture

In-Store Payment Plan

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