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The Express Credit Card is a good store credit card for people who like to shop at Express, Express.com, or Express Factory Outlets. For a more versatile card that you can use anywhere, consider getting a regular credit card. Traditional credit cards such as Visa, Mastercard, or American Express cards can be used anywhere a credit card is accepted. So, you get more flexibility with a regular card.
What's more, retail cards will likely earn you rewards or discounts when you shop at their specific store. In contrast, regular credit cards allow you to earn points on everyday purchases like groceries, gas, or more, and do not limit you to a particular retailer.
By the way, you can apply for a secured credit card that reports to the major credit bureaus to help you establish history through responsible on-time payments. A secured credit card functions like a regular credit card but requires a refundable security deposit to open the account. This deposit acts as collateral, protecting the lender and making it easier to get approved. When you use the card responsibly and pay it off, you can eventually upgrade to a traditional card and receive your deposit back.
