It’s tempting to go ahead and apply for a store credit card when you’re about to drop a bundle of cash on their products. However, before you do so, take a close look at the terms and conditions of the card. In this case, the ongoing APR of Pier 1 Rewards credit card is high. Also Pier 1 Rewards credit card can be used at Pier 1 store only and you won’t be getting any rewards for your purchases. A better idea is to find a credit card with a 0% interest on purchases for the first year promotion, and which also has a sign-up bonus that gives you something great, like miles for a round-trip plane fare, or great cash back rewards. These offers are plentiful, and much better than store credit card offers. Do yourself a favor and apply for a flexible rewards credit card before you buy that new furniture.