A department store credit card is a type of credit card that is issued by a retailer or department store, allowing customers to make purchases and borrow money using the store's name and reputation as collateral. These cards often offer special financing options, discounts, and rewards points for shopping at the associated store or its affiliates. They can be used anywhere that accepts credit card payments, but typically come with higher interest rates than traditional bank-issued credit cards due to the increased risk of default for the retailer.