Earn 0.0% Ovato Credit on BEDDING, FURNITURE, GIFTS AND FLOWERS, HOME AND GARDEN, PET SUPPLIES and WARRANTIES. Earn 0.0% on JEWELRY, WATCHES, LUGGAGE AND BAGS and WORLDSTOCK. Earn 0.0% on BABY, CLOTHING AND SHOES, CRAFTS AND SEWING, EBEZIA, HEALTH AND BEAUTY, O BIZ, OFFICE SUPPLIES, SPORTS AND TOYS. 0.0% on BOOKS AND MEDIA, CLEARANCE and ELECTRONICS. No cashback on Gift Cards.