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They are similar in that they both come with the same benefits within the store such as financing options and rewards. They also both come with high APRs and no annual fee. Yes, the main difference is the card branded with the Mastercard logo can be used anywhere Mastercard is accepted as opposed to the basic Brooks Brothers card which can only be used in the store. You can't choose which one you apply for. Your eligibility will be determined by your credit score. A better score gets the Mastercard and a person with a lower credit score will be given the standard store card.

You may consider point rewards credit cards that offer more rewards on all purchases. Pay attention to the credit cards with no annual fee and 0% intro purchase APR.