Credit cards from department stores

Many department stores offer credit cards branded with the store’s name. These store credit cards can be a good choice as a first credit card for a person seeking to build a credit score. However, they tend to have quite high interest rates.
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Difference between store rewards cards and credit cards

Store reward cards and credit cards can appear similar and be used at the same places.  Although they are often confused they are quite different in the way that they are used.

Store reward cards collect points for purchases.  They are not the primary means for payment.  They can only be used in certain stores, although there has been the growth of rewards cards that cross over a number of shops and service providers.
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