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Nowadays, many big retailers offer their own credit cards with different benefits like access to special sales, rewards, discounts and more. However, these store cards often have high interest rates and are often limited to particular stores. You won't be able to use your card anywhere.

If you prefer to shop at different departments stores, we would recommend credit cards with rewards, like cash back credit cards. Such cards allows you to earn cash back rewards on all purchases, including department stores. You may choose from credit cards with 0% intro APR on purchases. The Discover it® Cash Back credit card have these features. It allows you to collect 1% back on all purchases and 5% back on eligible rotating category purchases (on up to the quarterly maximum, you need to register each quarter to start getting rewards within the category). It also comes with a 0% intro APR for 15 months on purchases (when the introductory interest rate is over, 17.24% - 28.24% Variable APR on purchases will apply).