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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 can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.. Plus, earn unlimited 1% cash back on all other purchases - automatically. 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.