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Maria Adams, Credit Cards Moderator
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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
- Overall:
Fingerhut Credit Account
Fingerhut Credit Account
Learn MoreLearn More - Online Retailer:
Montgomery Ward Credit Account
Montgomery Ward Credit Account
Learn MoreLearn More - Low APR:
Group One Platinum Card
Group One Platinum Card
Learn MoreLearn More - 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
Fingerhut Credit Account
Learn MoreLearn MoreSee AlsoStore Credit Card for a 500 Credit ScoreCan I Apply for Credit Cards if I Have Bad Credit? - NerdWalletWhat to Know About Store Credit Cards8 Easy Store Credit Cards - Online Retailer:
Montgomery Ward Credit Account
Montgomery Ward Credit Account
Learn MoreLearn More - Low APR:
Group One Platinum Card
Group One Platinum Card
Learn MoreLearn More - 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.
Fingerhut Credit Account
Fingerhut Credit Account
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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
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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.
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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.
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