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That's a great question. It's usually a much better idea to apply for a rewards credit card than to use in-store financing. Zales credit card offer special financing for their cardholders but doesn't offer rewards. Consider a credit card that offers good rewards on every purchase you make and have a sign-up bonus. You could end up getting enough points to take a round-trip flight for free, or spend a romantic weekend in a hotel with your special someone - maybe it's the person you're making that major purchase for.

For example, you may consider the Discover it® Cash Back credit card. This card offers up to 5% cash back rewards in rotating categories that change each quarter (on up to the quarterly maximum, you need to sign-up to activate) and 1% cash back on all other purchases. What is more, it comes with 0% intro APR on purchases for 15 months (after that the ongoing APR will apply).