The real differences — approval, limits, interest-free terms and flexibility — and which one to choose.
They're both credit, but they behave differently. A store account is tied to one retailer or group and is often easier to get. A credit card works everywhere, usually carries higher limits, but tends to have stricter approval.
If you're building credit or shop mostly at one group, a store account is often the smarter, more attainable start — and where an interest-free plan exists (like Truworths' 6 months), paying on time can genuinely save you money. If you need flexibility across many merchants and can meet the bar, a credit card is more versatile. Many people sensibly use a store account first, then add a card later.
Compare the major store accounts in our full table.
