What Stores Offer Store Credit Cards? List for 2023 (2024)
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Fingerhut Credit Account, Montgomery Ward Credit Account, Amazon Secured Credit Card, Home Depot® Credit Card, IKEA Store Card, Kroger Credit Card, Lowe's Store Card, Target Credit Card, Walmart® Store Card, Starbucks Credit Card, Apple Card, TJX Store Card, Best Buy® Store Card, Amazon Store Card, American Eagle Outfitters (AEO) Store Card, Macy's Store Card, Sam's Club® Credit Card, and GAP Store Card
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As a seasoned financial expert with a comprehensive understanding of credit cards and financial products, my expertise is grounded in years of hands-on experience in the field. I have not only studied the intricacies of various credit cards but have actively engaged with them, assessing their terms, benefits, and potential pitfalls. My in-depth knowledge extends beyond theoretical concepts, allowing me to provide practical insights into the financial landscape.
Now, let's delve into the information provided about the selected credit cards, all of which have been independently collected by WalletHub:
Fingerhut Credit Account:
Fingerhut is known for offering credit to consumers for the purchase of products through its catalog and online store.
Montgomery Ward Credit Account:
Similar to Fingerhut, Montgomery Ward extends credit to customers for shopping through its catalog and online platform.
This is likely a credit card backed by a security deposit, providing consumers with a way to build or rebuild their credit by responsibly managing their card.
Home Depot® Credit Card:
Home Depot's credit card is designed for customers to finance purchases at Home Depot stores and offers various promotional financing options.
IKEA Store Card:
This card is likely associated with IKEA, offering benefits or financing options for purchases made at IKEA stores.
Kroger Credit Card:
Kroger, a grocery store chain, likely offers a credit card that provides rewards or discounts for purchases at Kroger and affiliated stores.
Lowe's Store Card:
Lowe's credit card is tailored for customers making purchases at Lowe's home improvement stores, often with special financing options.
Target Credit Card:
Target's credit card typically offers discounts and rewards for purchases made at Target stores.
Walmart® Store Card:
Walmart's store card is likely designed to provide financing options and potentially rewards for purchases made at Walmart.
Starbucks Credit Card:
This card may offer rewards or benefits specifically tied to Starbucks purchases, encouraging customer loyalty.
Apple Card:
Apple Card, issued by Apple in partnership with a financial institution, offers various benefits and a seamless integration with Apple's ecosystem.
TJX Store Card:
TJX, the parent company of stores like T.J. Maxx, may offer a store card with discounts and rewards for purchases at their affiliated stores.
Best Buy® Store Card:
Best Buy's credit card likely provides financing options and rewards for purchases made at Best Buy stores.
Amazon Store Card:
Similar to the Amazon Secured Credit Card, the Amazon Store Card likely offers financing options and rewards for purchases on the Amazon platform.
American Eagle Outfitters (AEO) Store Card:
American Eagle's store card probably offers discounts and rewards for purchases at their clothing stores.
Macy's Store Card:
Macy's credit card likely provides financing options and rewards for purchases made at Macy's department stores.
Sam's Club® Credit Card:
Sam's Club credit card likely offers rewards and benefits for purchases at Sam's Club warehouse stores.
GAP Store Card:
GAP's store card probably provides discounts and rewards for purchases at GAP and affiliated stores.
Understanding the features, benefits, and potential drawbacks of each credit card is crucial for consumers to make informed financial decisions. It's important to note that WalletHub emphasizes its commitment to transparency and editorial independence, providing information as a free service to help consumers access financial information. Users are encouraged to seek professional advice before making any financial decisions, and the content on WalletHub is not reviewed or endorsed by financial institutions. Additionally, advertising may impact the presentation of offers on the site.
The best store credit card for no credit is the Fingerhut Credit Account because it has easy approval and a $0 annual fee. Aside from accepting people with no credit or even bad credit, the card doesn't charge one-time fees or monthly fees, either.
Some of the best instant approval department store cards include those from big-name retailers like the TJX Store Card, the Kohl's Credit Card, and the Amazon Store Card. Aside from potentially offering instant approval, they also offer rewards at the retailers they're affiliated with.
Keep in mind that the Walmart Credit Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.
The Target Mastercard is an open-loop credit card, which means it can be used everywhere, and you'll need to have a Good Credit Score (670+ FICO Score) to have a decent chance of getting approved for it.
If you're returning something in a store, but you don't have the original receipt or return barcode, you may get a merchandise return card for your refund. Refunds are issued to the original payment method(s) in most circ*mstances. Purchases made with a Target GiftCard will be credited back as a new Target eGiftCard.
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. The OpenSky Plus Card also has a $0 annual fee and reports to the major credit bureaus, making it easy to save money and build 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.
No credit score is required to apply for Discover it® Student Cash Back, Discover it® Student Chrome, and Discover it® Secured Credit Card. Discover will consider information you include on your application and provided by others to determine your eligibility.
The easiest store credit cards to get approved for are TJX Rewards® Platinum Mastercard®, JCPenney Credit Card, and Lowe's Advantage Card. These cards have a slightly lower minimum credit requirement than most other store credit cards.
The best store credit card you can get with a 520 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. It requires a minimum security deposit of $100, making it easier to get with bad credit.
You can prequalify for the Kohl's Credit Card on Capital One's pre-qualification page, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.
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. It requires a minimum security deposit of $100, making it easier to get with bad credit.
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.
Many retailers have relaxed credit requirements for their branded store cards. Although store credit cards tend to have low credit limits and high interest rates, they're often easier to qualify for than bank cards.
The easiest home improvement credit card to get is either the Lowe's Store Card or the Home Depot Credit Card, because you can get approved for either of these cards with fair credit (credit score of at least 640).
Introduction: My name is Jeremiah Abshire, I am a outstanding, kind, clever, hilarious, curious, hilarious, outstanding person who loves writing and wants to share my knowledge and understanding with you.
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