The Visa is just that. The guest card can only be used at Target, like Sears or JCPenney. It's a store card.
Mervyn's and Target are owned by the same company. I called mervyn's and they accept the target card as well!!!
LAT, I'm glad that Mervyn's accept Target Card and Target Visa because I had charge-off Mervyn's account ten yrs ago. They denied me because of that reason. I guess my Target Card had one more place to use. Thanks for the info. Ron.