The Petland credit card is mainly for financing, and if you expect to receive some additional benefits, which you should already receive as a club member, you will be frustrated. The card will give you just additional discounts and no rewards or cash back program. If you want to use this card as a financing option, then be careful with its 29.9% APR. If fact there are better options from banks. Credit cards issued by major banks come with much lower interest rates and may have rewards programs. Using such card you will be able to use discounts as a club member and get additional rewards on your credit card. Also, note that Petland credit card is for in-store use only, whereas regular cards can be used everywhere.