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To be eligible for any of the financing plans offered by Bed Bath and Beyond, you must have their credit card. You can apply for their credit card by visiting their website and filling out a Bed Bath and Beyond credit card application or by going to your local Bed Bath and Beyond retail location and asking an employee for assistance. Once you’ve been approved for the card, you will be able to apply the financing plan to your next eligible Bed Beth and Beyond purchase. With a qualifying purchase between $250 and $500, you will be eligible for their 6 month no interest financing plan. Purchases over $500 will be eligible for the 12-month plan.

If you do not want to apply for their credit card, you can get a regular credit card that offers a 0% intro APR on purchases. With such a card, any purchase made within introductory period will qualify for 0% APR financing. However, the later you make a purchase, the less time you’ll be left to pay it off at no interest.