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If you want to buy your dream sofa, dining room table, or bed from a particular retailer, there's no harm in considering the store credit card to make the most of your purchase. Waiting until the furniture goes on sale is a smart option, as well. But don't limit yourself to only looking at the store credit card when you look for a card to make this big purchase. Carefully consider what the terms and conditions of the card are, and whether you can get the same or better terms with another type of credit card. A low APR, a nice signup bonus, and flexible reward redemption are all great things to look for before you make that big purchase you’re fantasizing about.