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There are two credit cards: Houzz credit card and Houzz Mastercard credit card. The Houzz credit card is a store credit card that can only be used at Houzz store. 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 Houzz as well. For example, the 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, automatically (if you are a new cardmember). This card comes with no annual fee and with 0% intro APR on purchases for 14 months (when the introductory interest rate is over, the ongoing APR of 13.49% - 24.49% Variable will apply).