I want to buy new furniture and I qualified for BrandsMart financing, but can I use my regular credit card instead?

Answered on June 17, 2017
Updated on June 17, 2017
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
Yes, you can absolutely use your regular credit card to make this purchase instead. In fact, it's a better choice than using their in-store financing. But keep in mind that you could also apply for a brand-new credit card, one with a sign-up bonus and a cash back rewards program, and get even more bang for your buck out of this purchase. There are just a couple of things to consider first. Take a look at your credit score and make sure it's in the healthy range, so your chances of being approved for the card are as high as possible. Then, look at what your credit limit might be. You don't want to max out your new card as soon as you get it; that's not good for your credit rating. But depending on what your limit is, and how much your furniture costs, it might be no problem at all. A card with a 0% APR offer on new purchases is absolutely your best bet when making this improvement to your home. Congratulations on a great choice!
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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