Store Credit Cards That Can Be Used Anywhere

Short Answer: Retail stores sometimes offer various types of store credit cards, namely “closed-loop” and “open-loop” credit cards. Closed-loop store credit cards can only be used at the store’s locations and its affiliates. Open-loop store credit cards with an American Express, Mastercard, or Visa logo can be used anywhere that accepts the credit card network. Some retailers that offer open-loop store credit cards that can be used anywhere include Amazon, Best Buy, Cabela’s, and Nordstrom. For more information, see below.

Can You Use Store Credit Cards Anywhere?

Your ability to use a store credit card at different retailers depends on whether the card is a “closed-loop” or “open-loop” credit card. Standard store credit cards are closed-loop, meaning they can only be used to make purchases at that particular store or group of stores. Open-loop credit cards feature the store brand along with an American Express, Mastercard, or Visa logo. These cards can be used anywhere the credit card network (American Express, Mastercard, or Visa) is accepted. If you try to use a closed-loop credit card at an unauthorized retailer, it will not be accepted.

Store Credit Cards That Can Be Used Anywhere

We’ve listed popular retailers that offer open-loop store credit cards that can be used anywhere the credit card network is accepted.

Amazon

Barnes & Noble

Bed Bath & Beyond

  • How to apply: Apply for the Bed, Bath, & Beyond Mastercard online.
  • Fees: No annual fee; APR and other fee information is listed on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

Best Buy

Cabela’s

DICK’S Sporting Goods

  • How to apply: Complete an application for the ScoreRewards Mastercard in-store or text “APPLY” to 5180 (data fees may apply); you can also visit DICKS.com/APPLY on your mobile device.
  • Fees: No annual fee; APR and other fee information is listed on the application
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

Forever 21

  • How to apply: Apply for the Forever 21 Visa Credit Card online.
  • Fees: No annual fee; APR and fee information is listed on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

Gap

  • How to apply: Apply for the Gap Visa Card online. (There is an option to enter your email address and cell phone number to continue the application via text.)
  • Fees: No annual fee; APR and other fee information is listed below the text option on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

The Home Depot

  • How to apply: Apply for The Home Depot Project Loan Mastercard online. The Home Depot offers this credit card with large home projects in mind; you’ll need to request a specific line of credit for your project when you apply, but this Mastercard can also be used anywhere Mastercard is accepted.
  • Fees: No annual fees; APR and other fee information is listed on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

See our related article on which credit bureau The Home Depot uses.

Macy’s

  • How to apply: Apply for the Macy’s Star Rewards American Express online.
  • Fees: No annual fee; APR and other fee information is listed on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

Marshalls

  • How to apply: Apply for the Marshalls TJX Rewards Mastercard online.
  • Fees: No annual fee; APR and other fee information is listed on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

Nordstrom

Old Navy

  • How to apply: Apply for the Old Navy Visa Card online. (There is an option to enter your email address and cell phone number to continue the application via text.)
  • Fees: No annual fee; APR and other fee information is listed below the text option on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

Target

  • How to apply: The Target Mastercard is not available to new applicants; you first must apply and be approved for a Target REDcard credit or debit card.
  • Fees: No annual fee; APR and other fee information will be disclosed when you are offered the Target Mastercard
  • Requirements: Once you have established credit with Target, you may receive an offer in the mail to convert your account to a Target Mastercard.

T.J. Maxx

  • How to apply: Apply for the T.J. Maxx Rewards Mastercard online.
  • Fees: No annual fee; APR and other fee information is listed on the application page
  • Requirements: 
    • Must be a U.S. citizen
    • Must be at least 18
    • Must have a valid Social Security number
    • Must have proof of income or verifiable employment
    • Subject to credit approval

See our related article on whether or not you can pay your T.J. Maxx credit card in-store.

Ulta Beauty

See our related article on the using the “shopping cart” trick to get an Ulta credit card.

Walmart

See our related article on how to get a Walmart Credit limit increase.

Closed-Loop Store Credit Cards

The following store credit cards are closed-loop and are only usable for purchases at the particular store and its affiliates.

  • Abercrombie & Fitch Credit Card
  • Amazon.com Store Card
  • Beall Credit Card
  • Cato Credit
  • DICK’S Sporting Goods ScoreRewards Credit Card
  • Forever 21 Credit Card
  • Gap’s GapCard
  • Goody’s Credit Card
  • Gordmans Credit Card
  • The Home Depot Consumer Credit Card
  • JCPenney Credit Card
  • Kirkland’s Credit Card
  • Kohl’s Charge Card
  • Lane Bryant Credit Card
  • Lowe’s Advantage Card
  • Macy’s Credit Card
  • Marshalls TJX Reward Card
  • Menards Big Card
  • My Best Buy Credit Card
  • My Pier 1 Rewards Credit Card
  • Neiman Marcus Credit Card
  • Nordstrom Retail Card
  • Old Navy Credit Card
  • Peebles Credit Card
  • Stage Credit Card
  • Talbots Credit Card
  • Target REDcard Credit Card and Debit Card
  • TJ Maxx TJX Reward Card
  • Torrid Credit Card
  • Ulta Ultamate Rewards Credit Card
  • Victoria’s Secret Angel Credit Card
  • Wayfair Credit Card

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