Circuit City, a popular retail electronics chain, offers credit cards to its customers, in conjunction with Visa. You can apply for a Circuit City credit card at any store location, and even from the Circuit City website. However, if you apply in person, you can get approval and use the card to purchase a new stereo, all in the same visit. In fact, Circuit City credit cards are designed to help customers efficiently finance the purchase of big ticket home electronics, rather than add those purchases to other cards that might already be carrying a sizable balance.

Circuit City offers an extensive rewards program with their credit cards, in addition to an assortment of convenient and protective features. For every dollar you spend using a Circuit City Visa, you earn five points on a "rewards certificate." Rewards certificates can be redeemed for purchases at Circuit City, or even used as payment for Circuit City's online store. Depending on your spending habits, the rewards program can be a useful way to help finance major electronic purchases.

Features of Circuit City Credit Cards

Cardholders can also take advantage of several options provided for their own security. The Circuit City Visa's Debt Cancellation Benefit option can reduce your balance if you lose your job, or suffer an injury that temporarily prevents you from working. This program also cancels your entire balance in the event of the death of a joint account holder.

Another option is the Circuit City Visa Insurance Benefit. This program replaces stolen or damaged goods that were purchased with the card. If you become temporarily unemployed due to injury, illness, or downsizing, this plan automatically covers your minimum monthly payments, insuring that your credit rating stays afloat through financially difficult times. Like the Debt Cancellation Benefit, this option also cancels the card balance if a joint account holder dies.