I second that, very very good choice.
I believe you can get the apple care through best buy, but the warranty through best buy (PSP) covers a lot more. Basically apple care is going to cover manufacturer defects, then if you extend it through apple care it still covers the same thing. If you get the PSP its going to cover manufacturer defects as well as normal wear and tear, such as hard drive failures, motherboard problems, power surges and so on. I would also get a nice surge protector to protect your gorgeous new imac. And yes you can put it on a credit card. Starting Sunday the 25 best buy will have 18 month no interest financing back in computers, which only happens a few times a year! good luck and i hope this helped