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Boscov's credit card offers up to 4% back on in-store purchases in certificates redeemable only towards Boscov's purchases (note that based on your creditworthiness you may be eligible only to 1%, 2% or 3% cash back offer). But this credit card has a high ongoing APR and fees. It may end up costing you more than you expect. Look at the low interest credit cards. For example, the Discover it® Cash Back credit card may be of interest to you. It comes with a 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR of 13.49% - 24.49% Variable will apply). The card has cash back rewards program – you will earn 1% cash back on all purchases and up to 5% cash back in rotating categories on up to the quarterly maximum – you will need to enroll every time a category changes to be able to earn rewards. The cash back never expire. There is no annual fee. Moreover, Discover card does not limit you in terms of redemption - you can spend earned rewards on whatever you want.