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Aside from the financing options, the Dell credit card itself doesn't offer many benefits. Benefits of having this card include no pre-payment, penalty or annual fees with the addition of 24/7 online account management and "special Dell offers." As a Dell credit card holder, you can become a Dell Advantage Rewards member. As a Dell advantage Rewards Member, you can earn 3% back in rewards. If you finance a purchase as an Advantage Rewards member you will earn 6% back instead. Dell Advantage rewards members will receive additional benefits including free expedited delivery, exclusive monthly offers as well as discounts and deals with Dell partners. If you're unsure whether you should apply for this card, I would recommend skipping it and trying to find a more general credit card that may fit your spending needs better.