Author: Cathy Gresham

We can’t endorse this card or imagine any scenario where someone should add it to their wallet. Skip it.

If you are an avid Burlington shopper, their in-store credit card provides a 5% store credit. However, the store credit is automatically issued in the form of rewards certificates, which expire after 60 days. This creates a terrible cycle where you’re given a very small incentive to potentially shop for things you don’t need.

The interest rate is quite high, making it critical that you pay off the balance within the month to avoid high charges for purchases. This in-store credit card can help you improve your credit rating, but only if you are careful with your purchases and payments.

If you’re interested in a new mattress but can’t afford to pay the full amount up front, the Mattress Warehouse credit card might be for you. Take the stress out of the large purchase by financing it through the card. Make sure you pay off the full balance during the promotional period and make all of your minimum monthly payments on time along the way, though, or the 29% interest rate will make sure mattress purchase much, much more expensive in the long run.

This card has no rewards and no real perks other than the interest-free promotional financing. It can be a way to spread out payments of a furniture purchase over 6 months, if you have limited other options.

If you do this, make sure you fully payoff the balance on time, or face extremely high interest rates (29%!). Also ensure you make the monthly minimum payments along the way, remember the promotional financing still means you have to make small monthly payments.

Overall, since furniture is a discretionary purchase, it’s hard to say there’s a good scenario to get this card.

The Lovesac Credit Card is a co-brand/store credit card that offers some limited benefits for shoppers. The love sac credit card has no annual fee and offers a 0% APR on your first receipt’s purchases for the first 12 months (still requires monthly minimum payments along the way). Yep, that’s about it.

If you have an emergency car repair and are really desparate with no other payment options, this is an option. Make sure to pay off the balance fully on time, though