10 Easiest Store Credit Cards to Get

Looking for the easiest store credit cards to get?

The 10 Easiest Store Credit Cards to Get for Bad and Fair Credit

This article will outline the 10 easiest store credit cards to get. You’ll get instant approval store credit cards with some of our picks. But, they’re not guaranteed. Most of our picks fall into the category of the best store credit cards to build credit. They’re perfect for people with bad to fair credit scores. So if your credit score makes the cutoff, the best department store credit cards will upgrade you. For example, you could get the Best Buy store card or the Best Buy Visa.

You apply with a single application, and the lender will look at your credit history. They’ll either deny or approve it and give you instant online store credit. Some allow you to pre-qualify without a hard credit inquiry like the Kohl’s charge card. We’ll give you a short summary of the cards below.

1. Walmart Store Credit Card and Walmart MasterCard

Arguably one of the easiest store credit cards to get is the Walmart credit card. It comes in two versions. You can either get the Walmart credit card or the Walmart MasterCard. You’ll gain access to the 3-2-1 Save program with this card. It comes with decent rewards in specific categories. You get special financing offers for those big-ticket purchase. As long as you pay your balance off within the set amount of time, you won’t pay interest. It’s a solid option if you do a lot of shopping at Walmart as a whole. Additionally, it has a relatively straightforward application process.

Walmart Credit Card Review

2. Target REDcard

The Target REDcard comes with a host of benefits that include being one of the instant approval store credit cards. You’ll get access to a host of perks that non-cardholders don’t get. For example, Target will send you warnings about sales and special discounts. Cardholders get a 5% discount in-store or online, free shipping, and no annual fees. If you fill prescriptions, you’ll get an addition 5% off for every two you fill to use when you shop. You can use it in tandem with the Cartwheel app, and it offers an extended return period. Finally, cardholders get access to premium member-only events and promotions.

Target REDcard Review + YouTube Review

3. Comenity Wayfair Credit Card

Do you routinely shop at Wayfair? If so, you could benefit from the Comenity Wayfair credit card. It offers cash back each time you use it at a rate of 3% at Wayfair and a few other retailers. So if you spend $250 in the first three months, you get a $40 bonus. Every order you make comes with free shipping and special financing. You do have to choose between cash back or special financing. It builds your credit and has no annual fee. This is also one of the easiest store credit cards to get without a hard inquiry. Finally, cardholders get optional furniture assembly on every online order.

Comenity Wayfair Credit Card Review + YouTube Review

4. Fingerhut Credit Account

Fingerhut has been around for years, and they offer a huge range of products. It has a very straightforward application process with a 60-second approval time. So you get instant online store credit with your approval. If you don’t make it, they offer you the Fingerhut FreshStart Loan program. Also, the flexibility of this program is a huge draw. You make monthly installment payments at affordable rates. There is also no deposit to worry about. You don’t even have to use it to help build your credit. Just having it active is enough. However, you can only use it at Fingerhut.

Fingerhut Credit Account Review + YouTube Review

5. Express Credit Card

This is one of the best department store credit cards for fashion. Available at Express store, this card offers a host of perks. So you get 20% off of your first order simply for having the card. Cardholders get free shipping on their orders. There are also two reward tiers, and you earn 20 points for every dollar you spend. For your birthday each year, you’ll get either a coupon or a physical gift. There is no annual fee to worry about, and you earn around $10 in rewards for every $125 spent.

Express Credit Card Review

6. Kohl’s Credit Card

The Kohl’s credit card is the easiest store credit cards to get. Also, there is a Kohl’s in almost every state that makes access easy. It gives you coupons for 15%, 20% or 30% off your purchases once a month. The signup bonus is 20% off your first order with more discounts on online orders. It comes with the Yes2You Rewards program and Kohl’s Cash just for having the card. If you spend more than $600 per year with your card, you’ll get 18 additional discounts. Track your purchases and combine discounts to maximize your savings with this card too.

Kohl’s Charge Card Review + YouTube Review

7. Best Buy Credit Card and Best Buy Visa Card

Use this card at Best Buy and get a huge 5% cash back reward. You’ll earn two points to the dollar for every other location you use your card. You get either rewards or promotional financing as an introductory offer. There is no annual fee or a low annual fee. It comes with free shipping on all of your Best Buy orders charged to the card over $35. There are two status tiers you can work your way through to maximize your savings. So this card has a very easy application process, as well.

Best Buy Credit Card Review

8. Macy’s Store Card and Macy’s American Express

If you shop at Macy’s, this card is one of the best store credit cards to build credit. Since there are stores all over the United States, you can use it a lot. It’s accepted anywhere American Express is. It comes with a Thanks for Sharing program that gives you discounts on certain purchases. There are four rewards tiers and Star Passes for further discounts. This card has lower credit score requirements for eligibility. Additionally, you’ll earn rewards points on everyday spending that you can use for discounts.

Macy’s Card Review

9. Nordstrom Credit Card and Nordstrom Visa

Anyone who shops at Nordstrom on a regular basis can benefit from the Nordstrom credit card. So you get four tier levels for rewards to work through. Shop at Nordstrom, Nordstrom Rack, or Nordstrom online and earn double points. You get a $20 reward voucher when you hit 2,000 points. The card gives you early access to the annual Anniversary sale, and there are triple point days. Also, the rewards are unlimited as well. If you spend $100 the first day you have the card, you’ll get a $20 bonus.

Nordstrom Credit Card Review

10. Sears Card and Shop Your Way MasterCard

Sears’ Shop Your Way program rewards you for shopping at Kmart, My Gofer, The Great Indoors, Sears, and Landers’ End. You earn 10 points for every purchase at least locations. 1,000 points add up to a $1 in rewards. Once you earn rewards, they sit in your account for a year. This program is unique because it also takes layaway into account and gives you points. Every prescription you refill gives you 500 points. You’ll get special discounts or sales for being in the program as well.

Shop Your Way Sears Card Review + YouTube Review

Bonus: Are you looking for a Visa Credit card?

The Petal Visa Card is a major credit card offer for people who have no credit, limited credit, or fair credit. This is a no annual fee credit card earning 1% – 1% cash back. Also, if you have bad credit we recommend that you review our top 3 Secured Credit Cards.

Bottom Line on the Easiest Store Credit Cards to Get

So these top 10 easiest store credit cards to get are perfect for helping you rebuild your credit. Several of them give you instant approval and flexible options. If you routinely patronize one of these stores, it can be a good idea to apply. Also, for more information on each card, click on the store review links. Learn the benefits and drawbacks with my in-depth reviews!

Monica Kowollik


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