On the subject of store credit cards, not all store cards are for use only in that store. I have a Target Visa which I used to use everywhere - they used to give double points at Target and single points everywhere else, and when you hit a certain number of points you got a 10% off an entire day of shopping at Target. I spend a lot of money at Target so 10% off was a big deal (and when I worked there I got my employee discount plus the 10% so it was like 18-19% off total!) BUT... they have changed it now to where you only get the 5% off at Target, and there's no longer any points (though they now have pharmacy rewards attached to the card,) soooo I only use it at Target now, and got my Chase Freedom to rack up the points on gas and such - since I of course would be buying it anyway and might as well get somethin' free for it! My Old Navy card is also a Visa and can be used anywhere. Of course both ON and Target have their regular store card and the Visa is the step above that. But there are stores that are such-and-such Visa and you can use elsewhere, buuut I don't think many of them give stellar rewards for using them elsewhere anymore. (Of course the ON card gives you rewards when you use them at Piperlime and Banana Republic and their other brands.) So depending on what you intend to use the card for most, it MIGHT possibly be worth it to get a store card. But probably not, since most of them limit their rewards to just that store now.