Don’t be pressured at the checkout line to sign up for a store-branded credit card without knowing exactly what you are getting into. Take your time-do not sign up for a card on the spot. Read the fine print and understand the rates, fees and deadlines with the cards. While retail credit cards typically don’t charge annual fees, they do charge higher interest rates and generally offer fewer rewards. In addition, many store cards can only be withed with that retailer or their family of brands.