 TITLE: What to Know Before You Apply for a Store Credit Card CONTENT: What Are Some Other Differences to Consider?\n--------------------------------------------\nIn addition to lower credit limits, retail cards also typically charge higher interest rates than regular credit cards. With a retail card, you'll need to be extra careful to spend only what you can pay off each month so you don't end up with expensive interest charges.\nStore credit cards also typically have different incentives than other rewards credit cards. Many stores offer an instant discount on goods you're purchasing if you sign up for the card at checkout. You'll also usually get ongoing benefits specific to the store, such as exclusive access to sales, free shipping, special discounts and more.\nSome retail cards offer additional rewards, but they typically aren't competitive with regular rewards credit cards, especially when it comes to purchases you make elsewhere, if allowed.\nWhile these features can come in handy if you already shop at a specific retailer often, they might also encourage you to spend more than you normally would. END