Store Credit Cards For A 550 Credit Score (2024)

Search

Ad Disclosure Ad Disclosure

Report Abuse

This question is about the Fingerhut Credit Account

see this user

Maria Adams, Credit Cards Moderator

@m_adams

Permalink Report Abuse

One of the best store credit cards for a 550 credit score is the Fingerhut Credit Account. This card has a $0 annual fee and will help you build credit as it reports monthly to the major credit bureaus.

It’s worth noting that there are only a few store credit cards for a 550 credit score available right now. A 550 credit score is considered bad credit and most store cards require at least fair credit for approval.

Some of the Best Store Credit Cards for a 550 Credit Score

  • Store Credit Cards For A 550 Credit Score (3)Overall:

    Fingerhut Credit Account

    Fingerhut Credit Account

    Learn MoreLearn More
  • Store Credit Cards For A 550 Credit Score (4)Online Retailer:

    Montgomery Ward Credit Account

    Montgomery Ward Credit Account

    Learn MoreLearn More
  • Store Credit Cards For A 550 Credit Score (5)Low APR:

    Group One Platinum Card

    Group One Platinum Card

    Learn MoreLearn More
  • Store Credit Cards For A 550 Credit Score (6)Amazon Purchases:

    Amazon Secured Credit Card

    Amazon Secured Credit Card

    Learn MoreLearn More
  • Overall:

    Fingerhut Credit Account

  • Online Retailer:

    Montgomery Ward Credit Account

  • Low APR:

    Group One Platinum Card

  • Amazon Purchases:

    Amazon Secured Credit Card

Keep in mind that 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.

If you need more flexibility, you can apply for a regular credit card instead. Unlike store cards, regular cards are widely accepted because they are backed by a major card network (Visa, Mastercard, American Express, etc.). The best credit cards for bad credit have annual fees as low as $0, and some even give rewards equal to 1% cash back or more on purchases.

This answer was last updated on 03/20/24 and it was first published on 09/22/22. 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.

  • Overall:

    Fingerhut Credit Account

  • Online Retailer:

    Montgomery Ward Credit Account

  • Low APR:

    Group One Platinum Card

  • Amazon Purchases:

    Amazon Secured Credit Card

Keep in mind that 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.

If you need more flexibility, you can apply for a regular credit card instead. Unlike store cards, regular cards are widely accepted because they are backed by a major card network (Visa, Mastercard, American Express, etc.). The best credit cards for bad credit have annual fees as low as $0, and some even give rewards equal to 1% cash back or more on purchases.

Store Credit Cards For A 550 Credit Score (11)

Fingerhut Credit Account

Fingerhut Credit Account

1,091 Reviews

Popular Credit Cards from Our Partners

  • Store Credit Cards For A 550 Credit Score (12)

    Prime Visa

    LEARN MORE

  • Store Credit Cards For A 550 Credit Score (13)

    Costco Anywhere Visa® Card by Citi

    LEARN MORE

  • Store Credit Cards For A 550 Credit Score (14)

    Capital One Platinum Credit Card

    LEARN MORE

  • Store Credit Cards For A 550 Credit Score (15)

    Reflex® Platinum Mastercard®

    LEARN MORE

People also ask

What are the best credit cards for a 550 credit score?

One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there’s no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus (Equifax, Experian, and TransUnion) every month, which is your ticket to a better credit score.

However, this isn’t...

read full answer

What's the easiest unsecured credit card to get approved for?

Two of the easiest unsecured credit cards to get are the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Fortiva® Mastercard® Credit Card because you can get approved even with bad credit. The Credit One Visa offers a $300 starting spending limit, while the Fortiva Cash Card offers $350.

Easiest Unsecured Credit Cards to Get Approved For

  • Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Fortiva® Mastercard® Credit Card

  • Store Credit Cards For A 550 Credit Score (18)

    Petal® 2 Visa® Credit Card

  • Store Credit Cards For A 550 Credit Score (19)

    Capital One QuicksilverOne Cash Rewards Credit Card

  • Petal® 2 Visa® Credit Card

  • Capital One QuicksilverOne Cash Rewards Credit Card

  • Store Credit Cards For A 550 Credit Score (20)

    Capital One SavorOne Student Cash Rewards Credit Card

  • Capital One SavorOne Student Cash Rewards Credit Card

  • Store Credit Cards For A 550 Credit Score (21)

    Capital One Spark Classic for Business

  • Capital One Spark Classic for Business

Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the...

read full answer

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

  • Store Credit Cards For A 550 Credit Score (22)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...

read full answer

Thank you for submitting your comment! Please login or join Wallethub for your comment to post.

Important Disclosures

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.

Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.

WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.

Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: U.S. Bank Cash+® Visa® Secured Card, Bank of America® Travel Rewards Secured Credit Card, Valley Bank Visa® Secured Business Credit Card, Fingerhut Credit Account, Montgomery Ward Credit Account, Amazon Secured Credit Card, Group One Platinum Card, Target Credit Card, Petal® 2 Visa® Credit Card, and Capital One Spark Classic for Business.

Popular Credit Cards from Our Partners

  • Store Credit Cards For A 550 Credit Score (23)

    Prime Visa

    LEARN MORE

  • Store Credit Cards For A 550 Credit Score (24)

    Costco Anywhere Visa® Card by Citi

    LEARN MORE

  • Store Credit Cards For A 550 Credit Score (25)

    Capital One Platinum Credit Card

    LEARN MORE

  • Store Credit Cards For A 550 Credit Score (26)

    Reflex® Platinum Mastercard®

    LEARN MORE

Related Content

  • What are the best store credit cards for bad credit?
  • Store Credit Cards
  • Credit Cards for Bad Credit
  • What are the easiest department store credit cards to get?
  • 550 Credit Score

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.

Related Categories

Credit Cards

This Week’s Top Experts

Store Credit Cards For A 550 Credit Score (27)

Gino Rodriguez
Writer Helpful Votes: 48

Open

Store Credit Cards For A 550 Credit Score (28)

Thomas Antonsson
Member Helpful Votes: 33

Open

Store Credit Cards For A 550 Credit Score (29)

Sandra Stogner
Member Helpful Votes: 1

Open

Hire the best financial advisor for your needs.

Best Offers

  • Best Credit Cards
  • Best Checking Accounts
  • Best Savings Accounts
  • Best Travel Credit Cards
  • Best Cash Back Credit Cards
  • Best Business Credit Cards
  • Best Airline Credit Card
  • Best Balance Transfer Credit Cards

Free Credit Data

  • Free Credit Score
  • Free Credit Report
  • Free Credit Monitoring

Popular Content

  • Credit Cards for Bad Credit
  • Student Credit Cards
  • 0% APR Credit Cards
  • No Foreign Transaction Fee Credit Cards
  • Business Credit Cards
  • Chase Sapphire Preferred
  • Capital One Venture
  • Citi Double Cash
  • Capital One Quicksilver
  • Credit Score Range

Important Disclosures

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.

Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.

WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.

Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: U.S. Bank Cash+® Visa® Secured Card, Bank of America® Travel Rewards Secured Credit Card, Valley Bank Visa® Secured Business Credit Card, Fingerhut Credit Account, Montgomery Ward Credit Account, Amazon Secured Credit Card, Group One Platinum Card, Target Credit Card, Petal® 2 Visa® Credit Card, and Capital One Spark Classic for Business.

Store Credit Cards For A 550 Credit Score (2024)

FAQs

Can I get a store credit card with a 550 credit score? ›

One of the best store credit cards for a 550 credit score is the Fingerhut Credit Account. This card has a $0 annual fee and will help you build credit as it reports monthly to the major credit bureaus. It's worth noting that there are only a few store credit cards for a 550 credit score available right now.

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

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

Can I get approved with a 550 credit score? ›

It is 150 points away from being a “good” credit score, which many people use as a benchmark, and 90 points from being “fair.” A 550 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

What card can I get with a 550? ›

Some of the best credit cards for a 550 score:
  • Bank of America® Travel Rewards Secured Credit Card.
  • Rates & Fees. Capital One Quicksilver Secured Cash Rewards Credit Card.
  • U.S. Bank Cash+® Visa® Secured Card.

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.

Can I get an Amazon credit card with a 550 credit score? ›

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 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.

What store credit card can I get with a 530 credit score? ›

Store Cards for a 530 Credit Score
  • Secured: Amazon Secured Credit Card.
  • Unsecured: Montgomery Ward Credit Account.
  • Easy Approval: Fingerhut Credit Account.
Mar 20, 2024

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.
Sep 6, 2024

Can I get a line of credit with a 550 credit score? ›

Most lenders require a minimum credit score of between 600 and 650, but some lenders specialize in bad credit personal loans. It may be more challenging to find a lender willing to work with you, but obtaining a loan with a 550 credit score is possible.

How much can I borrow with a 550 credit score? ›

You can borrow anywhere from a few thousand dollars to $100,000+ with a 550 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

How fast can you raise a 550 credit score? ›

The time it takes to increase a credit score from 500 to 700 might range from a few months to a few years. Your credit score will increase based on your spending pattern and repayment history. If you do not have a credit card yet, you have a chance to build your credit score.

What is the easiest store credit card to get with a 550 credit score? ›

The best store credit card you can get with a 550 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member.

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.

Which bank approves a credit card easily? ›

Comparing the easiest cards to get
Card NameAnnual feeFICO score required
Bank of America® Unlimited Cash Rewards Secured credit card$0No credit history
Capital One Platinum Secured Credit Card$0No credit history
Indigo® Mastercard®$0-$99 depending on creditworthiness300 to 670
Capital One Platinum Credit Card$0580 to 740
3 more rows
Jun 28, 2024

What credit score do you need to get a store credit card? ›

The minimum credit score for a store credit card is 500 or higher with a card like the Fingerhut Credit Account. This is considered one of the easiest store cards to get, as it accepts people with bad credit. The Fingerhut Credit Card also has a $0 annual fee.

Can I get credit with a score of 550? ›

Your score falls within the range of scores, from 300 to 579, considered Very Poor. A 550 FICO® Score is significantly below the average credit score. Many lenders choose not to do business with borrowers whose scores fall in the Very Poor range, on grounds they have unfavorable credit.

Top Articles
Sustainable finance package 2023
Sustainable finance package 2023
Katie Pavlich Bikini Photos
Gamevault Agent
Hocus Pocus Showtimes Near Harkins Theatres Yuma Palms 14
Free Atm For Emerald Card Near Me
Craigslist Mexico Cancun
Hendersonville (Tennessee) – Travel guide at Wikivoyage
Doby's Funeral Home Obituaries
Vardis Olive Garden (Georgioupolis, Kreta) ✈️ inkl. Flug buchen
Select Truck Greensboro
Things To Do In Atlanta Tomorrow Night
How To Cut Eelgrass Grounded
Pac Man Deviantart
Alexander Funeral Home Gallatin Obituaries
Craigslist In Flagstaff
Shasta County Most Wanted 2022
Energy Healing Conference Utah
Testberichte zu E-Bikes & Fahrrädern von PROPHETE.
Aaa Saugus Ma Appointment
Geometry Review Quiz 5 Answer Key
Walgreens Alma School And Dynamite
Bible Gateway passage: Revelation 3 - New Living Translation
Yisd Home Access Center
Home
Shadbase Get Out Of Jail
Gina Wilson Angle Addition Postulate
Celina Powell Lil Meech Video: A Controversial Encounter Shakes Social Media - Video Reddit Trend
Walmart Pharmacy Near Me Open
Dmv In Anoka
A Christmas Horse - Alison Senxation
Ou Football Brainiacs
Access a Shared Resource | Computing for Arts + Sciences
Pixel Combat Unblocked
Cvs Sport Physicals
Mercedes W204 Belt Diagram
Rogold Extension
'Conan Exiles' 3.0 Guide: How To Unlock Spells And Sorcery
Teenbeautyfitness
Weekly Math Review Q4 3
Facebook Marketplace Marrero La
Nobodyhome.tv Reddit
Topos De Bolos Engraçados
Gregory (Five Nights at Freddy's)
Grand Valley State University Library Hours
Holzer Athena Portal
Hampton In And Suites Near Me
Stoughton Commuter Rail Schedule
Bedbathandbeyond Flemington Nj
Free Carnival-themed Google Slides & PowerPoint templates
Otter Bustr
Selly Medaline
Latest Posts
Article information

Author: Merrill Bechtelar CPA

Last Updated:

Views: 5986

Rating: 5 / 5 (50 voted)

Reviews: 81% of readers found this page helpful

Author information

Name: Merrill Bechtelar CPA

Birthday: 1996-05-19

Address: Apt. 114 873 White Lodge, Libbyfurt, CA 93006

Phone: +5983010455207

Job: Legacy Representative

Hobby: Blacksmithing, Urban exploration, Sudoku, Slacklining, Creative writing, Community, Letterboxing

Introduction: My name is Merrill Bechtelar CPA, I am a clean, agreeable, glorious, magnificent, witty, enchanting, comfortable person who loves writing and wants to share my knowledge and understanding with you.