You will just need to make sure that your VISA/MasterCard is linked to your Shop Your Way account when you shop at Target. When you are making your purchase, select "Credit".
You can link your cards while logged into shopyourway.com by clicking "Hi Michelle". In the bottom right hand corner of the drop down box, you will see an orange rectangle that says "Link Your Card". Click on this. You can link up to five cards to your account.