Are co-branded cards store cards?

Anonymous · ‎08-04-2015

Example: my virgin America visa and BP visa.
They both say credit card as description on report instead of retail. I didn't know if Comenity and Synchrony meant store card automatically.

I was trimming my store cards to look better upon manual review for credit and auto loans..

NRB525 · ‎08-04-2015

If it has a VISA, MC, or AMEX logo, then it is a "real" credit card. The co-branding usually comes with some sort of extra points or perks with that merchant/company/airline/hotel.

A true "store card" has only one place it can be used: at that store, and perhaps one or two other related brands, but no where else.

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SunriseEarth · ‎08-04-2015

@NRB525 wrote:
If it has a VISA, MC, or AMEX logo, then it is a "real" credit card. The co-branding usually comes with some sort of extra points or perks with that merchant/company/airline/hotel.

A true "store card" has only one place it can be used: at that store, and perhaps one or two other related brands, but no where else.

+1.

For example, the Gap Visa is a cobranded bankcard or major CC and can be used anywhere that accepts Visa. The Gap Store card does not have the Visa logo and can only be used at stores in the Gap family (Gap, Old Navy, Banana Republic, etc).

Kb109 · ‎08-05-2015

True store cards can only be used at one place. For example, the Victoria's Secret card or Pottery Barn.

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