I already have several credit cards, but I’m... - Cash Back Rewards Questions

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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?

Answered on

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 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
For Excellent, Good Credit
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
Enjoy peace of mind with $0 Fraud Liability
For Fair Credit

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