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.com Credit Card, which earns 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, 1 point per $1 spent on all other purchases. And … read full answerCostco Anywhere Visa® Card by Citi gets you 4% cash back on eligible gas for the first $7,000 per year, 3% on restaurants and travel, 2% on Costco and Costco.com purchases, 1% on all other purchases.
Store credit cards that can be used anywhere are known as co-branded, or open-loop cards. In addition to their traditional store cards, which can only be used for store-related purchases, retailers will sometimes 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.
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.com Credit Card. $50 Amazon.com gift card upon approval ($100 for Prime members). 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, 1 point per $1 spent on all other purchases. $0 annual fee. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
Best for wholesale club purchases:Costco Credit Card. Earn 4% cash back on eligible gas for the first $7,000 per year, 3% on restaurants and travel, 2% on Costco and Costco.com purchases, 1% on all other purchases. $0 annual fee with a paid Costco membership. Requires a credit score of 750, at a minimum. That means you need excellent credit for approval.
Best for grocery shopping and everyday purchases: Capital One Walmart Rewards® Mastercard® Earn 5% cash back in Walmart stores using Walmart Pay for the first 12 months, 5% back on Walmart.com purchases, 2% back at Walmart stores and fuel stations, 2% back on restaurant and travel purchases, and 1% back on all other purchases. $0 annual fee. Requires a credit score of 640, at a minimum. That means you need fair credit or better for approval.
Best for gas purchases:Sam's Club® Credit Card. $30 statement credit for making a purchase of $30 in the first 30 days. Earn 5% cash back on gas (up to $6,000 spent per year), 3% back on dining, takeout and on Sam’s Club purchases for Plus members, and 1% back on all other purchases (up to $5,000 earned in cash back rewards per year). $0 annual fee. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
Best for high-end shopping:Nordstrom Credit Card. Receive a $60 Note when you make any purchase with Nordstrom. Earn 1 - 3 points / $1. $0 annual fee. . Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
Best for electronics purchases:Best Buy® Credit Card. 2.5 points per $1 spent on Best Buy purchases, 1.5 points per $1 spent at gas stations, 1 point per $1 spent at restaurants, bars and grocery stores, and 0.5 points per $1 spent on all other purchases. $0 annual fee. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
Store credit cards that can be used anywhere offer more flexibility than traditional store credit cards, but unless you want supplemented rewards at a specific store, you may still find better and more value with a general rewards card.
No, you can’t use store credit cards anywhere. They only work at the merchants they’re connected with. For example, the Target Credit Card, 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 store version of the … read full answerOld Navy Credit Card at Gap, Banana Republic and Athleta in addition to Old Navy. And you can use the Amazon.com Store Card at Hoot.com, Audible.com, Comixology.com along with other Amazon products and services.
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. The Best Buy® Credit Card, for instance, requires good credit or better (700+), but those with at least fair credit (640+) may qualify for the Best Buy® Store 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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