Major credit cards are usually issued through banks or credit unions. They bear the Visa, MasterCard, Discover or American Express logo. Some carry incentives that distinguish the cards and place them in categories. For example, a reward card is a type of major credit card that offers attractive incentives for consumers. Reward cards give cardholders airline miles, points toward hotel nights at specific chains, or other perks. Some reward cards also provide cash back on purchases.
Store credit cards are intended to promote customer loyalty. Approval for store cards may be easier to obtain than major credit cards. However, many store cards can only be used for purchases from the retailer that issued the card. As incentives, retailers often offer their cardholders special discounts or advance notice of promotions or sales.