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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.