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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You will earn cash back by making purchases at select merchants. These merchants can be found in the Venmo Card section of Venmo app. Earned cash back will be applied to your Venmo account. If you are looking for cash back, we recommend you to apply for cash back credit cards.
For sure, you may choose from different cash back credit cards. You may find there offers with up to 5% cash back, no annual fee, sign-up bonuses and other perks. Pay attention to credit cards with increased cash back bonus categories. For example, if you spend a lot on gas purchases, credit cards with special cash back on gas category may be your choice.
HSBC Cash Rewards Mastercard® credit card comes with the following cash back rewards: 3% introductory cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. Get 1.5 cash rewards on every $1 you spend on all new, net purchases after the intro period. If you want to earn more, you may consider other cash back credit cards.

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