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Target's RedCard is a significant advantage they've built over all their competitors. They don't have to pay the fees, customers get a discount, and they get easy access to the data on your purchases. I'm surprised more retailers don't do it.

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Many retailers have their own cards: https://wallethub.com/credit-cards/store/

It's easy to forget too that the history of credit cards was that they started as store credit cards, and centralized and inter-operated from there. When credit cards first started you would have one per store only usable in that same store.

(Also note how gift cards/stored value cards/"prepaid credit" cards recently seem to be following a similar trajectory. It is somewhat fascinating.)

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