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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 you shop each quarter like grocery stores, restaurants, gas stations, and more, 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).