Yes, store credit cards are real credit cards, and your card activity will be reported to the credit bureaus.

Rewards earning: Store cards typically give you the most value at the affiliated retailer. You may be able to earn rewards for spending in and out of the store.APR: Minimum annual percentage rates for retail store credit cards vary widely but tend to be on the higher side. The average APR on credit cards as of May 2025 was 21.16%. For comparison, the variable APR on the My Best Buy Credit Card is 31.49%.Annual fee: Store cards often do not charge an annual fee, but some, like the Disney Premier Visa Card, do.Store card use: Some store credit cards are closed-loop cards, which means a card can be used only in a single store or network of stores. Open-loop store credit cards can be used almost anywhere. They typically have a card network logo on them, such as Visa or Mastercard.

That depends. Store credit cards can be restricted to the store itself. However, sometimes a retailer will offer an affiliated card – such as the My Best Buy Visa Card – that offers higher rewards for spending at its store and other rewards elsewhere. In other instances, store credit cards can be used at additional stores owned by the same parent company.