Store Card Perks

• Stores often offer discounts to their cardholders.soldes image by Jerome Dancette from Fotolia.com
  
  Credit cards offered by stores often entitle you to discounts on purchases made in store with the card. They are also easier to qualify for than bank cards, making them a good option for those with little or bad credit.
  
  

Bank Card Perks

• Banks card rewards offer more variety.gold bank image by John Sfondilias from Fotolia.com
  
  A variety of perks are offered by banks, including cash rewards, airline miles and rewards points. Bank credit cards are more universally accepted and can be used to pay bills.
  
  

Store Card Issues

• Find a store card with good rewards.general store old el paso image by Lars Koch from Fotolia.com
  
  Many store credit cards are for use exclusively in the store. Store cards often have higher interest rates and lower credit limits than bank cards.
  
  

Bank Card Issues

• Bank cards can be ideal, if you are approved.credit card image by Christopher Hall from Fotolia.com
  
  Banks are more selective in extending credit, especially on cards that offer the best rewards and interest rates. Getting approved can be more difficult.
  
  

Which is Best for Me?

• If you shop regularly at a particular store and it offers a 10 percent discount, for example, on purchases made with the store's card, you are saving money. On the other hand, if your credit is good and you qualify for a lower interest rate, a bank card might work better.