Payments and rewards

Ace Rewards is Ace Hardware's free loyalty program, with member sales, personalized coupons, bonus points and member-only events like Ace Rewards Days.

Amazon lists four ways to pay over time, Amazon Monthly Payments, card installments, Synchrony Pay Later and Affirm, and no layaway option.

Amazon.com gift cards work on Amazon.com and some affiliated US sites, carry no fees, never expire if issued after October 1, 2005, and cannot become cash.

Amazon takes major credit and debit cards, its own cards, US checking accounts, gift cards, EBT, FSA, HSA and card reward points; here are the rules for each.

Amazon Prime costs $14.99 a month or $139 a year in the US and adds video, music, fuel, grocery and prescription savings on top of free delivery.

Apple offers 0% APR Apple Card Monthly Installments, Klarna leases through Apple Upgrade, 0% carrier financing on iPhone and pay later, but no layaway.

An Apple Gift Card pays for Apple hardware, apps and subscriptions in the US; once redeemed it joins your Apple Account balance, shown in the App Store.

Ashley's Synchrony card offers no-interest promotions from 6 to 60 months, with online purchase minimums for the 12, 18 and 24 month offers.

Best Buy gift cards have no expiration date or fees, hold up to $500 each, and show their balance online, by phone or in a store.

Best Buy has no layaway; it offers financing on the My Best Buy Credit Card, lease to own through Progressive Leasing, and Zip installments.

Best Buy takes major cards, PayPal, Apple Pay, gift cards and its own cards online and in store; cash and checks work in stores only, Zip online or in its app.

BJ's sells two memberships, Club at $60 a year and Club+ at $120, as reported by news and shopping sites; Club+ adds 2% back in rewards and a gas discount.

A Costco Gold Star membership is $65 a year; Executive costs $130 and pays a 2% reward up to $1,250, and the Citi card adds cash back.

Costco offers pay-over-time plans through Affirm on orders of $400 or more, at 10% to 36% APR over 3 to 36 months; its payment pages list no layaway plan.

Costco's gift card is the Shop Card: only members can buy one, it never expires, and non-members can spend it, though most warehouse buys need a membership.

Costco warehouses take Visa, most PIN debit cards, cash, member checks, EBT, Shop Cards and phone wallets; Costco.com also takes Mastercard and Affirm.

Dick's ScoreCard is free and earns 1 point per dollar; since July 2026 ScoreCard+ adds a 99 dollar a year tier with 25 dollars in rewards each quarter.

Dollar General takes SNAP EBT in every store with no added fee, and its delivery service takes cards, Apple Pay and Google Pay but not EBT or cash.

Dollar Tree stores take cards, EBT and checks, while DollarTree.com takes major cards and PayPal but says it cannot accept Apple Pay or Google Wallet.

US rules say a gift card's funds last at least five years and inactivity fees can start only after a year without use; Visa gift cards add a purchase fee.

Harbor Freight's Inside Track Club is a paid membership, $29.99 for one year or $44.99 for two, that unlocks member-only prices online and in stores.

Home Depot financing runs through its credit cards, a project loan and a lease-to-own option; the credit card page lists the terms, offers and phone lines.

Home Depot gift cards come in digital and physical forms, can be reloaded, and work in stores and online; the card page also lists common gift card scams.

Pro Xtra is Home Depot's free loyalty program for Pros, with spend-based tiers, Perks, paint rewards, purchase tracking and, since 2026, partner offers.