This time of year, I'm always looking for a great deal. I was thinking of shopping the Tractor Supply Black Friday sale. Should I get their store card to increase my savings?

Answered on August 10, 2016
Updated on August 10, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
Shopping the holiday sales is a great way to save. If you get the credit card offered by the store, you can usually buy whatever you need with no money down, and pay it off over time with no interest. However, you often won't earn any type of cash back or other rewards for using the card. It's more like a special financing deal, rather than a rewards or discount deal. So, if you'd like to maximize your value, use a cash back credit card for that big Black Friday sale purchase, and pay it off in full when your first credit card statement comes. That way, you really are earning rewards rather than simply getting an interest-free financing period. Of course, if you need special financing, you can also find a cash back rewards credit card that offers a promotional period with no interest on new purchases.
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.

User Comments about This Question


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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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.