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The Z Gallerie credit card does not come with a first-purchase discount. However, you'll get $25 back for every $500 you spend. You may receive other discounts on future purchases as cardholders receive notice of private and exclusive sales and discounts.

Another reason you may want to get the Z Gallerie card before making a big purchase is for the special financing and convenient payment plans that are offered to cardholders. Financing is dependent on your credit score, so you may be better off getting a general credit card instead. They often have lower interest rates and might even offer a 0% introductory APR.