 TITLE: How to Choose a Department Store Credit Card CONTENT: Choosing a Department Store Card\n--------------------------------\nDepartment store cards are co-branded credit cards offered by department stores and card issuers. Similar to other types of retail credit cards, department store cards come in two varieties:\n*   **Closed-loop cards**: You'll only be able to use a closed-loop card at the department store that offers the card. However, if the department store has multiple brands, you may be able to use the card at all of its locations.\n*   **Open-loop cards**: This card will have a payment network logo on it, such as Visa or Mastercard. You can use these cards at any store that accepts cards from that network.\nMany department stores offer both closed- and open-loop cards. An open-loop card will offer the most flexibility, and may even offer more rewards since you can earn benefits wherever you shop. However, you may find it's easier to get approved for a closed-loop card. END