The most common way to get pre-approved store cards is to receive an offer by mail or while shopping with a retailer online. One of the best pre-approved store card is the Kohl's Credit Card because you can easily check for pre-approval online. The Kohl's Credit Card has a $0 annual fee, gives a 35% discount on your first purchase, and earns you 7.5% in Rewards on every qualifying purchase made at Kohl as long as you enroll. Cardmembers also get special promotional events from time to time and account anniversary offers. Kohl's Credit Card usually requires at least fair credit for approval, which is standard for a store credit card. But the fact that you can initiate a pre-approval check on the Kohl's website is rare, as most store cards require you to shop and wait for a pop-up about pre-approval.
Some of the biggest issuers of store cards, like Synchrony, Comenity and TD Bank, don't let you check for pre-approval without shopping. But other major issuers, such as American Express and Capital One, do offer online pre-approval check tools, the results of which may include store cards. When you are unable to check for pre-approval directly, the best way to find pre-approved store cards is to shop on stores' websites. Signing up for a retailer's loyalty rewards program may also increase your chances of receiving a pre-approval offer while shopping online.
Most store cards require fair credit or better, so if you qualify, you shouldn't worry about pre-approval. You can simply apply for the store credit card of your choice as you'll have good odds of approval. Just know that applications trigger hard pulls of your credit which can temporarily lower your credit score, so make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.
This answer was last updated on 01/12/24 and it 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.
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