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When it comes to credit cards offered by stores or gas stations, they most likely are not affiliated with a payment network like Visa or MasterCard and therefore, they cannot be used everywhere. As for the Kwik Trip credit card, it is good for shopping at Kwik Trip and Kwik Star gas stations and stores only. You won't be able to use Kwik Trip card outside Kwik Trip locations. So, if you'd rather prefer a credit card that can be used everywhere, we would recommend you to skip the Kwik Trip card and apply for a regular credit card instead.