The Target Credit Card, also known as the Target REDcard, can be used to make Target purchases in-store and online. But it can’t be used at other stores. On the other hand, the Target Visa credit card can be used anywhere Visa is accepted. But you can’t apply for that version anymore.
Previous responses are right. You can only use the REDcard at Target. But Target sometimes has a lot of stores in one. For example, you can use your Target credit card at a Starbucks’s in a Target, and even get a 5% discount in the process. You can also use it at places like D’Amico & Sons Italian Kitchen and Pret A Manger within a Target. But you won’t get the 5% discount there.
The best store credit cards that can be used anywhere include the Amazon Rewards Visa Signature Card, which earns 3% cash back for each dollar you spend on Amazon.com. The Costco Anywhere Visa gets you 2% cash back per $1 spent on Costco and Costco.com purchases.
Store credit cards that can be used anywhere are known as co-branded, or open-loop cards. In addition to its traditional store cards, which can only be used for store-related purchases, retailers will offer a store card linked to a credit card network such as Mastercard or Visa. Co-branded credit cards are issued by banks that include Comenity, Synchrony, Citi, and Chase.… read full answer
Co-branded store credit cards tend to have stricter requirements for approval than their store credit counterparts. You’ll typically need good credit or better to qualify. These cards can also earn significant benefits when used outside of the store. At the same time, they still enjoy all the perks and discounts that come with in-store and online purchases.
Here are the best store credit cards that can be used anywhere:
Best for online purchases: Amazon Rewards Visa Signature Card. 3% back per $1 spent on Amazon.com/. 2% at gas stations, restaurants, and drugstores. Prime members get 5% back on Amazon.com purchases. No annual fee.
Best for wholesale club purchases: Costco Anywhere Visa. Get 4% cash back per $1 spent on gas purchases, up to $7,000 a year, at Costco and other gas stations. Earn 3% on restaurant and travel purchases, and 2% back on purchases at Costco and Costco.com. No annual fee with a paid Costco membership.
Best for gas purchases: Sam's Club MasterCard. Earn 5% back per $1 spent on gas purchases at Sam’s Club and other gas stations, up to $6000 a year. 3% on dining and travel purchases. No annual fee.
Best for high-end shopping: Nordstrom Visa Signature Card. Receive a $40 store credit when you spend $100 at Nordstrom, Nordstrom Rack, or HauteLook the day you're approved. Earn 2 points per $1 spent on in-store and online purchases. No annual fee.
Best for electronics purchases: My Best Buy Visa. 5% cash back per $1 spent on Best Buy purchases (6% for Elite Plus members); 2% cash back on dining out and grocery purchases; 1% on all other purchases. No annual fee.
Store credit cards that can be used anywhere offer more flexibility than traditional store credit cards, but you may still find better and more value with a general rewards card.
The Citi Double Cash card earns 2% on all purchases; 1% when you buy, and an additional 1% when you pay. The Bank of America Cash Rewards card earns 2% per $1 spent at grocery stores and wholesale clubs, and 3% on gas purchases. There’s also a $200 cash bonus when you spend $500 in the first 90 days.
You can’t use store credit cards anywhere. They only work at the merchants they’re connected with. For example, Target Credit Card, the REDcard, is solely for Target purchases. It’s not always one retailer, though. If multiple brands are owned by the same parent company, you should be able to use any one of their store cards for purchases from all of the brands. For instance, you can use the … read full answerOld Navy Credit Card at Gap, Banana Republic, Athleta, Intermix and Wedding Way in addition to Old Navy. And you can use the Amazon.com Store Card at most merchants that accept Amazon Pay, such as RedBubble, Guess, CarParts.com, Build.com, Woot! and Authenticwatches.com.
What’s confusing is that some credit cards are affiliated with specific retailers but qualify as co-branded cards, not store cards. The difference is that a co-branded credit card belongs to a card network: Visa, Mastercard, American Express or Discover. And it can be used anywhere that network is accepted. So if your card doesn’t have a network logo on it, it’s a store credit card.
Here’s why you can’t use store credit cards anywhere:
Store credit cards can only be used at the retailers they’re affiliated with, which may include more than one merchant.
The fact that store cards have limited acceptance is part of the reason they’re easier to get, generally requiring just fair credit for approval.
Store cards are not the same as co-branded cards. Co-branded cards are associated with a particular company or organization but also belong to one of the four major card networks. So you can use them anywhere that accepts credit cards.
The visual difference between store cards and co-branded cards is that co-branded cards feature the logo of a credit card network (Visa, Mastercard, Amex, Discover) while store cards do not.
Many retailers actually offer two versions of their cards: one co-branded and another store-only. And there’s often just one application. The issuing bank decides which one you get, if any, based on your credit standing. You’ll generally need good credit or better to get a co-branded card. You can check your latest credit score for free on WalletHub.
Sorry, their store only. It's a store card, that's pretty much the rule for them.
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