Easiest Department Store Credit Cards to Get in 2024 (2024)

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WalletHub, Financial Company

@WalletHub • 08/29/24

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One of the easiest department store credit cards to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s a rare store card you can get with bad credit.

Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.

Easy Department Store Credit Cards to Get

Montgomery Ward Credit Account
Fingerhut Credit Account

Kohl's Credit Card
Target Credit Card

Amazon Store Card

There are plenty of other department store cards with great deals too. For example, the Express Credit Card, TJX Store Card, and Macy's Store Card all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.

This answer was last updated on 08/29/24 and it was first published on 11/12/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Fingerhut Credit Account

Kohl's Credit Card
Target Credit Card

Amazon Store Card

2024's Best Store Credit Cards

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Popular Credit Cards for Shopping

Prime Visa

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Costco Anywhere Visa® Card by Citi

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Instacart Mastercard®

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Keenan Avery, Member

@keen_avery • 01/21/18

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All of them need 650 or above to get approved. Fingerhut is a store card, and the exception to that rule, but it's online only.

This answer was last updated on 01/21/18 and it was first published on 01/19/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

@SamanthaGoodrich26

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You don't need a 650, I got approved for every one of those with a 500

Tyrome @Papi_

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Not true. I have Kohl's, Target, and Buckle, and at the time of approval my score was under 600.

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christinacollins86, Member

@christinacollins86 • 05/07/21

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Fingerhut isn't the easiest it's Stoneberry's k. Jordan Mason easy pay and fifth and Glam

This answer was first published on 05/07/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Rebecca @rebeccameador

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They don’t report credit so pretty much useless unless you’re desperate and need to get gifts or something like that.

Colleen R M @colaracquel1980

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I have Stoneberry credit and they have helped me get things I wouldn't have otherwise been able to get. The only problem is that I don't see them being used for my credit score and that's a shame because they are the ones have used the longest.

What is the best electronic store credit card?

The best electronic store credit card is the Best Buy® Store Card because it gives 10% back in rewards (5 points per $1 spent) on your first day of purchases made within 14 days of opening an account. Cardholders can also earn 2.5 points per $1 spent on Best Buy purchases. Or you can forego any rewards and instead get 0% deferred interest for 18 - 36 months on select purchases. But deferred interest is tricky. If you don’t pay your whole balance by the end of the 0% APR period, you owe all the interest that would have accrued during those months.

Generally, the best electronic...

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What are the best store credit cards for bad credit?

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

They don’t have a whole lot of competition, however. There are very few store credit cards for bad credit available right now. Nearly all store cards require at least fair credit for approval, according to WalletHub’s database...

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What are the easiest store credit cards to get?

One of the easiest store credit cards to get is the Fingerhut Credit Account. The card has a $0 annual fee and can help people with no credit or even bad credit improve their credit standing for free. But there are other options to choose from, too.

Easiest Store Credit Cards to Get

Build Credit:
Fingerhut Credit Account
Fingerhut Credit Account

Build Credit:
Fingerhut Credit Account

Ongoing Rewards: N/A

Annual Fee: $0

Minimum security deposit: N/A

Credit requirement: Accepts people with bad credit (a credit...

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Justine Browns, Member

@justine_browns • 09/19/18

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I think the easiest one to get is the Fingerhut. It’s not really a department store, but it does offer more than 500,000 items. You can apply online, it’s very fast and easy, and you get a decision quickly. You can get approved for it even if you have poor credit, and it doesn’t have an annual fee. All the others require you to have at least fair credit.

This answer was last updated on 09/19/18 and it was first published on 04/03/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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timpetit83, Member

@timpetit83 • 12/04/21

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I got a Fingerhut credit card 2 years ago with poor credit and now I'm up to a $3,000 credit limit 2 years later they got good quality products in 2 years ago I started out with a $200 credit limit that Fingerhut within 5 months it went up to $700 credit limit and then on now it's 3,000 it's a good card to have because you can buy basically anything but food

This answer was first published on 12/04/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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tisha2551, Member

@tisha2551 • 01/27/19

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Maurices is backed by CapitalOne credit. If you have a CapitalOne credit card already, this one is approved as well. Fingerhut is online only, not sure why they send credit cards in the mail. For poor credit building credit cards, Indigo has cheaper interest rate than CapitalOne. CreditOne is also for poor credit and offers a 1% - 3% cash back on fuel and food purchases.

This answer was first published on 01/27/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Motley Grasse, Member

@motley_grasse • 02/16/18

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I know you can get the Fingerhut even if you have bad credit, but I'm not sure it counts as a department store.

This answer was first published on 02/16/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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* The information about the following cards has been independently collected by WalletHub: Target Credit Card, Fingerhut Credit Account, Montgomery Ward Credit Account, Amazon Secured Credit Card, Kohl's Credit Card, Macy's Store Card, TJX Store Card, Express Credit Card, Amazon Store Card, Group One Platinum Card, Net First Platinum, Lowe's Store Card, Best Buy® Store Card, and Instacart Mastercard®.

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Easiest Department Store Credit Cards to Get in 2024 (2024)

FAQs

What store card is easiest to get approved for? ›

Here's a Summary of the Best Instant Approval Store Credit Cards

Prime Visa.
Costco Anywhere Visa® Card by Citi *
Gap Good Rewards Mastercard® *
Key Rewards Visa *
Target Circle™ Credit Card *
MyLowe's Rewards Credit Card *
Kohl's Card *

Sep 3, 2024

Read On ›

What credit card will approve you no matter what? ›

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

Discover More Details ›

What store credit cards can I get with a 580 credit score? ›

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus. They don't have a whole lot of competition, however.

Are department store credit cards easier to get? ›

Store credit cards are able to accept applicants with less-than-stellar credit because they come with some built-in limitations, like high interest rates, low credit limits and general inflexibility.

See Details ›

Can I get a Walmart credit card with a 520 credit score? ›

You need a credit score of 640 or higher (fair credit or better) to get a Walmart credit card. Your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.

Find Out More ›

What credit score does Kohl's require? ›

The Kohl's Credit Card approval requirements include a credit score of 640 or higher. This means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income, and existing debt obligations when making a decision.

Tell Me More ›

Which bank approves a credit card easily? ›

Comparing the easiest cards to get

Card Name	Annual fee	FICO score required
Bank of America® Unlimited Cash Rewards Secured credit card	$0	No credit history
Capital One Platinum Secured Credit Card	$0	No credit history
Indigo® Mastercard®	$0-$99 depending on creditworthiness	300 to 670
Capital One Platinum Credit Card	$0	580 to 740

3 more rows

Jun 28, 2024

Show Me More ›

What is the easiest unsecured card to get approved with bad credit? ›

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

Explore More ›

What credit card can I get with a 523 score? ›

Best Overall: Discover it® Secured Credit Card.
No Credit Check: OpenSky® Secured Visa® Credit Card.
Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.

What credit score do you need for a Ross card? ›

You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

Show Me More ›

Can I get a Target card with 580 credit score? ›

The Target Credit Card requires fair credit or better (640+ credit score) for good approval odds. When you apply for a Target Credit Card, the issuer will also consider your income, employment status, debts, housing information, and more.

Read The Full Story ›

Can I get a Walmart card with 580 credit score? ›

To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.

See Details ›

What credit score is needed for JCPenney card? ›

You need a credit score of at least 640 to get the JCPenney Credit Card. That means people with fair credit or better have a shot at getting approved for this card. The JCPenney Mastercard, on the other hand, requires a 700+ credit score (good credit).

Get More Info Here ›

What store card can I get with a 570 credit score? ›

Best Store Credit Cards for Bad Credit

Amazon Prime Secured Card *: Best Store Credit Card for Rewards on Amazon Purchases.
Overstock™ Mastercard® *: Best Store Credit Card for Bed Bath & Beyond Shoppers.
Shell Fuel Rewards® Credit Card *: Best Store Credit Card for Those Who Fill Up at Shell.

More items...

Sep 6, 2024

What credit score do you need for an Amazon credit card? ›

Both the Amazon Credit Card and the Prime Visa are for people with good or excellent credit scores of 700+, while the Amazon Store Card accepts fair credit (640+ credit score) and the Amazon Secured Credit Card is for bad credit (300+ credit score).

What credit score is needed for a store credit card? ›

Some store cards will approve applicants with scores as low as 550, which is considered poor. There is no defined range for a fair credit score, but typically a FICO score between 580 and 669 are considered fair. Other factors in addition to credit score can be considered when reviewing applications.

View Details ›

What is the easiest card to get with bad credit? ›

Easiest credit cards to get approved for

Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
Best for small businesses: Bank of America Business Advantage Unlimited Cash Rewards Secured credit card.
Best for Chase customers: Chase Freedom Rise℠

More items...

Which card is easy to get? ›

OpenSky® Plus Secured Visa® Credit Card

A rating of 5 is the best a card can receive. The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.

Learn More ›

Can you get a store credit card with bad credit? ›

Consider a store credit card

Retail credit cards tend to be easier to qualify for, even if your credit isn't very good. That said, just because retailers offer credit cards for people with bad credit doesn't mean store credit cards are your best option.

Discover More Details ›