The Ashley Furniture credit card is not a Visa or a Mastercard credit card. It is a store credit card that can only be used at Ashley Furniture stores. If you need a credit card for everyday purchases, you can apply for a regular credit card that is good for your current credit. Regular credit cards are accepted everywhere, and if there is a need, you can use it at Ashley Furniture as well. For example, the Discover it® Cash Back credit card is a good option. You will earn 5% cash back at rotatating categories on up to $1,500 in purchases when you activate (you should register each quarter to earn rewards). Plus 1% cash back on all other purchases. Also all the cash back you’ve earned will be matched at the end of your first year, if you are a new cardmember. You could turn $150 into $300. This card comes with no annual fee and with 0% intro APR on purchases (when the introductory interest rate is over, the ongoing APR will apply).