This card can be used at any KMART store and also at any retailer that accepts Mastercard. The credit line for non-KMART purchases is half of the total credit line offered (e.g. $200 total credit line; $200 limit for KMART purchaes and $100 for non-KMART) There is no annual fee unless the account goes into a state of default. So I went shopping recently at a SUPER KMART store that offered nearly every type of grocery imaginable. I was absolutely SHOCKED at the low prices offered. I stocked up for a month for myself for less than $150!!! Not a bad deal all the way around!