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This is a great question. Although many people find it exciting to save money on the spot when they sign up for a store credit card, the fact is that there are credit cards out there that offer better long-term savings. You don't need to look for a card that is specific to one retailer; you can get a credit card that's issued by Visa, Mastercard or Discover and lets you earn points or cash back when you make purchases anywhere. Don't limit yourself to only store cards, or you might miss out on some great opportunities to earn rewards everywhere you spend money. No matter what your credit score is or where you shop, there's a card that will be right for you.