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Store credit cards typically require applicants to have a credit score lower than those required for higher end rewards cards. The minimum required FICO score is usually between 660† and 680† in order to qualify for a store credit card, although some consumers are able to get approved with lower scores. The Gardner-White premier credit card offers deferred payment plans with up to five years of no interest. There is no interest charged if the balance is paid in full within the time allowed. However, you may want to consider applying for a general rewards credit card instead. Not only could you get a low promotional APR, but you can also earn cashback or rewards points that that will further reduce the cost of the purchase. In addition, a general rewards credit card can be used at any store, allow you to earn rewards on all purchases.