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The Hot Topic credit card is a store credit card that can be used at Hot Topic. If you want to make purchases at other stores you should consider getting a general credit card. If you get a general credit card, think about getting one that offers rewards. With most rewards cards you'll receive a set number of points per dollar spent. Depending on the card, those points can then be used for a variety of things, such as cash back, gift cards, statement credits, travel and more. For example, consider the Discover it® Cash Back credit card. You will earn 5% cash back at rotatating categories on up to $1,500 in purchases when you activate (you should register each quarter to earn rewards). Plus, 1% cash back on all other purchases. Also all the cash back you’ve earned will be matched at the end of your first year, if you are a new cardmember. You could turn $150 into $300. This card comes with no annual fee.