If you're planning to finance a significant project that requires an investment of over $500, the Build.com credit card could be viable if you're confident you can pay it off promptly. On the other hand, if you cannot meet the repayment deadline, you'll be charged deferred interest fees that will significantly increase your overall costs. However, if you don't have plans to finance large-scale projects, the Build.com credit card is not the best choice, considering its high variable APR of 25.99% and limited benefits. While the free standard shipping is a plus, you can receive the same perk on orders of $49 or more without signing up for the card. Ultimately, applying for a credit card should be a well-thought-out decision, so weighing the potential rewards against your spending habits is crucial to ensure it's worth it.