The Hot Topic credit card is designed to be used at Hot Topic. If you want to make purchases at other stores you should consider getting a general credit card or a card from the store you want to shop at.
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.
Some rewards cards come with an annual fee that usually range from $50 to $500. While no-fee cards are available and often a good alternative, don’t automatically discount cards that have fees. If you use the additional benefits and rewards that come with those cards, they can more than pay for the annual fee.