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The Furniture Row® Credit Card is not a Visa or a Mastercard credit card. It is a store credit card that can only be used at Furniture Row locations. 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 Furniture Row as well. For example, the Discover it® Cash Back credit card is a good option. You will earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. 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).