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If you're worried you won't get out to a brick-and-mortar store often enough to make it worth having the store credit card, don't fret. You can always go online. ColdwaterCreek.com carries everything you could want, including their full line of clothing and accessories. You can use the card online, which is perhaps even easier and more convenient than shopping in a store. However, there are plenty of other great credit cards to consider, if what you want to do is save on clothing and accessories. Consider the full range of rewards credit cards available before making a decision to apply for a store credit card. You might find one that is even better suited to your needs, has a lower interest rate, and will pay off with high value rewards.