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Credit Card Applications » Questions » User Questions » Cash Back Rewards » I already have several credit cards, but I’m thinking of making a major purchase at Ross ...

I already have several credit cards, but I’m thinking of making a major purchase at Ross Simons jewelry. Should I get their credit card or use their in-store financing, or use one of my existing cards?

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Leo Zhu

That’s a great question, and the answer depends on what cards you already have. Is one of your existing credit cards a card with a great rewards program? What kind of cash back, points, or miles will you get if you use it to make a major purchase? One thing to consider is getting a new credit card that offers a terrific sign-on bonus for spending a certain amount within the first few months of having the card. You could end up getting enough points to take a round-trip flight for free, or spend a romantic weekend in a hotel with your special someone – maybe it’s the person you’re making that major purchase for. It’s usually a much better idea to apply for a new rewards credit card than to use in-store financing, or to get the store credit card if it doesn’t offer substantial rewards and benefits.

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Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
For Excellent/Good Credit
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
For Fair Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit

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