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West Elm credit card offers 5% back on in-store purchases in certificates redeemable only towards West Elm purchases. But this credit card has a high ongoing APR of 31.24%107. 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 15 months of 0% Intro APR on purchases (when the introductory interest rate is over, the ongoing 17.24% - 28.24% Variable APR 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 expires. 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.