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Credit cards offer instant, convenient access to credit whenever you need it. Used right, that can help you spread out your spending and build credit that can help you afford big-ticket items like a home or a car.

You’ve likely experienced an overeager cashier or floor manager trying to sell you on the benefits of their store’s credit card. But are store credit cards worth it? Keep reading to find out what store credit cards entail, if they are right for you, and their pros and cons.

You can use your credit card to perform many useful functions beyond paying for items in-store and online. Credit cards can give you a financial safety net, help you shop safer, earn rewards, and even get cash back on purchases.