Store Credit Cards That Can Be Used Anywhere (Many to Choose From!)

Cathy Desmet headshot Cathy Desmet
Verified & Updated May 14, 2020

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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

  • Fees: No annual fee and no foreign transactions fee; APR and other fee information for the Amazon card is available online
  • 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
  • Find out more or apply

Barnes & Noble

  • Fees: No annual fee; APR and other fee information for the Barnes & Noble card is available online
  • 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
  • Find out more or apply

Bass Pro Shops

  • Fees: No annual fee; APR and other fee information is available for the CLUB card online
  • 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
  • Find out more or apply

Bed Bath & Beyond

  • 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
  • Find out more or apply

Best Buy

  • Fees: No annual fee; APR and other fee information for the Best Buy card is available online
  • 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
  • Find out more or apply

Cabela’s

  • Fees: No annual fee; APR and other fee information for the Cabela’s card is available online
  • 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
  • Find out more or apply

DICK’S Sporting Goods

  • 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
  • Complete an application for the ScoreRewards Mastercard in-store or text “APPLY” to 5180 (data fees may apply); you can also apply online

Forever 21

  • 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
  • Find out more or apply

Gap

  • 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
  • Find out more or apply

The Home Depot

  • 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
  • Find out more or apply

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

Macy’s

  • 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
  • Find out more or apply

See our related research on your Macy’s credit card approval odds (including the minimum credit score required).

Marshalls

  • 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
  • Find out more or apply

Nordstrom

  • Fees: No annual fee; APR and other fee information for the Nordstrom card is available online
  • 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
  • Find out more or apply. Note that your creditworthiness will determine which of the two Visa cards you qualify for.

Old Navy

  • 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
  • Find out more or apply

Target

  • 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.
  • The Target Mastercard is not available to new applicants; you first must apply and be approved for a Target REDcard credit or debit card.

T.J. Maxx

  • 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
  • Find out more or apply

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

Ulta Beauty

  • Fees: No annual fee; APR and other fee information for the Ulta card is available online
  • 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
  • Find out more or apply

See our related research on using the “shopping cart” trick to get an Ulta credit card and your Ulta Beauty credit card approval odds.

Walmart

  • Fees: No annual fee; APR and other fee information for the Walmart card is available online
  • 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 for information about the credit score requirements and approval odds
  • Find out more or apply

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
  • 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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