Getting approved for a credit card can be a huge challenge if you have bad credit. In most cases, the credit card you can get approved for won't have the most attractive interest rates and terms. Many of these credit cards don't offer sign-up bonuses and have very high APRs.
One option you might consider isbuild your creditWith a department store credit card. Of course, most in-store credit cards have high APRs and low credit limits, but the approval process is usually easier. If you get a store credit card from a store you shop frequently, you can get in-store discounts.
Do store credit cards help assess creditworthiness?
department store credit card willincrease your credibilityJust like any other credit card, as it reports to the three main credit bureaus - Equifax, Experian, and TransUnion. If you're rebuilding your credit history, there are many advantages to going this route.
Store cards usually have lower credit limits, so you don't have to worry about overspending. You can also score discounts at your favorite department stores, many of which can have high prices. Plus, you can get perks like free shipping or free alterations.
Here are some things to keep in mind going forward:
- keep yourscredit utilization ratioless than 30%.
- Pay off your balance in full each month so you don't have to pay interest.
- Find a credit card with no annual fee.
- Look for credit cards that offer deferred interest rate promotions.
The 8 Best Credit Cards for Bad Credit in Stores
Now that you understand the advantages of buying a department store credit card, the next step is to choose the right credit card. Listed below are eight department store cards you might consider.
1. Language
If you have at least honest credit, you have a good chance of getting Dillard's credit card approval. However, even with bad credit, you still have a chance of getting approved.
(Video) The Easiest Store Credit Cards to Get - 10 Store Card Reviews
Earn two bonus points for every dollar you spend at Dillard's with this credit card. After reaching 1,500 points, you can choose between a 10% discount coupon and a $10 discount coupon.
If you spend more than $2,000 a year at Dillard's, you'll qualify for the Elite Status card. This will provide you with additional benefits such as free shipping, free in-store gift wrap and invitations to private shopping events.
here it isoverviewLanguage card:
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- Introduction to APR:0% APR for 12-24 months
- Regular APR:25.24%-27.24% annual interest rate
- annual fee:Nick
2. Luca
When you're approved for a Gap credit cardSynchronous Bank Issue, save 20% and free shipping on your first credit card purchase. One of the unique features of the Gap Card is that you can use it and earn points at Gap, Old Navy, Banana Republic and Athleta. However, rewards can only be redeemed at the Gap store.
Earn 5 Rewards points for every $1 you spend online or in store. When you earn 500 points, you get a $5 bonus. Get an extra 10% off all Gap stores with your Gap Card.
Here's an overview of the Gap cards:
- Introduction to APR:Nick
- Regular APR:28.24% APR
- annual fee:Nick
3. Costco
The biggest advantage of choosingCostco Anywhere Visa® 卡 firmy Citiyes you are not limited to thisshopping at costco.You can use your credit card anywhere Visa is accepted. You can even start earning the following cash back rewards with this card:
- The gas fee is 4% on the first $7,000, then 1%.
- 3% for restaurants and travel
- 2% off all Costco purchases
- Elsewhere 1%
Here's an overview of the Costco Anywhere Card:
(Video) Top 10 High Limit Credit Cards Easiest to Get, Anyway 🔶CREDIT S2·E597
- Introduction to APR:Nick
- Regular APR:17.24% APR
- annual fee:Nick
4. Nordstrom
Nordstrom offers two different versions of the credit card. One can only be used at Nordstrom, the other can be used anywhere. However, if you have bad credit, you'll likely have to start with the more limited Nordstrom store credit card.
Get $40 off purchases of $100 or more on the day you sign up. You'll earn 3 Rewards points for every $1 you spend. For example, when you earn 2,000 points, you will receive a $20 discount coupon. You can also get early access to Nordstrom promotions.
Here's an overview of the Nordstrom Store Card:
- Introduction to APR:Nick
- Regular APR:It depends on your creditworthiness, but could be as high as 25.15% APR
- annual fee:Nick
5. Cole
Once your Kohl's credit card is approved, you'll get an additional 35% off your first purchase with this card. Plus, when your credit card arrives in the mail, you'll get an extra coupon for 15% off.
However, there are no rewards for purchases made with the Kohl's Card. Instead, we invite you to 12 "special offers" each year. However, these special offers are pretty good as you can get an extra 15% to 30% off.
Here's an overview of Kohl's credit cards:
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- Introduction to APR:Nick
- Regular APR:27,24%
- annual fee:Nick
6. Macy's
Get 20% off the same or next day when you open your Macy's store credit card. That's a pretty good discount, but the total savings are capped at $100.
Macy's offers a tiered rewards program for its cardholders. If you spend up to $499 per year, you qualify for Silver status. This will get you 25% off your Star Pass purchase.
(影片) Top 3 Credit Card with Bad Credit or No Credit (INSTANT APROVAL)
If you spend at least $500 per year, you will become a Gold member. This will get you free shipping and a special birthday deal. If you spend more than $1,200 per year, you qualify for Platinum status. This will give you 5% cash back on all Macy's merchandise.
Here's an overview of the Macy's card:
- Introduction to APR:Nick
- Regular APR:27.49% APR
- annual fee:Nick
7. Jesse Penney
With the JCPenney credit card, you'll earn 1 point for every $1 you spend. After earning 200 points, you will receive a $10 discount coupon. Plus, you'll get an extra 5% off select items throughout the year.
After signing up, you will receive a one-time 20% discount coupon. However, this is a bit confusing as it cannot be used for any items in the store. Cardholders who spend at least $500 per year will receive additional discounts.
Here's an overview of the JCPenney Store Card:
- Introduction to APR:0% APR for 12-48 months
- Regular APR:28.24% APR
- annual fee:Nick
8. Bloomingdale's
The Bloomingdale Store credit card is fairly easy to apply for, and borrowers with good credit may be eligible. However, you must shop regularly at Bloomingdale's to receive the discount.
After signing up, you'll receive a 15% coupon today and the next day for a total savings of $250. You'll earn 3 points for every $1 you spend on most purchases. However, you'll earn 6 points for every dollar you spend on shoes, makeup and fragrance. So if you buy these items frequently, this credit card will work in your favor.
here it isoverviewBloomingdale's store card:
(Video) Top 10 Unsecured Credit Cards for Extremely Low Credit 300-579 Limits up to $10,000 in 2022 🔶 CREDIT S2·E12
- Introduction to APR:Nick
- Regular APR:27.24% APR
- annual fee:Nick
Can the store card be used anywhere or only in-store?
Most store cards can only be used at the store that issued the card or at stores owned by the same company. However, there are store cards that can be used anywhere and earn bonus points that can be spent in stores. In general, store cards that can only be used in-store are easier to get approved if you have bad credit. Store cards that can be used anywhere usually have higher credit requirements.
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summarize
As you can see, many of these store cards have extremely high APRs. The best way to increase your credit is to use the so-calledDepartment store cards from banks such as ComenityrubleSynchronization.and then make small purchases from time to time and pay off the balance in full. This will help you avoid paying interest or accumulating a balance that you can't pay off.
No matter which department store credit card you choose, be sure to read the card's terms and conditions. Ensure monthly statements are paid on time to avoid late fees or receipt feessend to harvest.If you can't get approved for a store credit card, check out thesesecured credit card.
FAQs
8 Best Department Store Credit Cards for Bad Credit (2023)? ›
The best store credit card you can get with a 540 credit score is the Amazon.com 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.
What store card can I get with a 540 credit score? ›The best store credit card you can get with a 540 credit score is the Amazon.com 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.
Can I get a Walmart credit card with a 520 credit score? ›The Walmart Credit Card credit score requirement is 640 or higher, which means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.
What is the easiest Comenity card to get? ›- Zales Credit Card. Requires fair credit. $0 annual fee. ...
- Ann Taylor Store Card. Requires fair credit. $0 annual fee. ...
- Jessica London Credit Card. Requires fair credit. ...
- Torrid Credit Card. Requires fair credit. ...
- Petland Credit Card. Requires fair credit.
| Customer Type | Personal |
|---|---|
| Employment Statuses Considered | Other Employed Full-Time Employed Part-Time Self-Employed Retired |
| Immigration Status Considered | U.S. Citizen U.S. Permanent Resident |
| Checking Account Required | |
| Credit Score Range | 300 - 850 850 300 |
The JCPenney Credit Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments.
What credit card can I get with a 542 score? ›- Best Overall: Discover it® Secured Credit Card.
- No Credit Check: OpenSky® Secured Visa® Credit Card.
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.
Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.
What score do you need for Kohls card? ›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.
Which bank gives easy credit card? ›| Credit Card | Annual Fee* | Card Category |
|---|---|---|
| SBI SimplyCLICK Credit Card | Rs. 499 | Shopping |
| Flipkart Axis Bank Credit Card | Rs. 500 | Cashback |
| HSBC Cashback Credit Card | Rs. 750 | Cashback |
| Cashback SBI Card | Rs. 999 | Cashback |
What is the most easy approved credit card? ›
- Overall. Discover it® Secured Credit Card.
- No credit check. OpenSky® Secured Visa® Credit Card.
- Low APR. DCU Visa® Platinum Secured Credit Card.
- First credit card. ...
- Fair credit. ...
- Students with rolling categories. ...
- Students spending on restaurants and groceries. ...
- Target shoppers.
- OpenSky® Secured Visa® Credit Card.
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card.
- Upgrade Cash Rewards Visa®
- Discover it® Secured Credit Card.
- Mission Lane Visa® Credit Card.
- Prosper® Card.
- Capital One QuicksilverOne Cash Rewards Credit Card.
The best store credit card you can get with a 620 credit score is the Amazon.com 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.
What credit score do you need for a Target store credit card? ›You should have a fair credit score to be approved for the Target RedCard. Most reports state a FICO credit score of 615 or higher is recommended but not required.
What does your credit score have to be to get a credit card at TJ Maxx? ›You need fair credit to get approved for the TJX credit card, which means a credit score of 620 or above.
Is Target easy to get credit? ›You only need “fair” credit to qualify for the Target RedCard, which means it's possible to get approved with a credit score of just 620. You can see if you're in the ballpark by checking your credit score for free on WalletHub.
What bank is Macy's credit card? ›Department Stores National Bank (“DSNB”) is the issuer of the Macy's Store Card. For each account with a balance, a minimum payment will be required and you may incur a late fee if you fail to make any required minimum payment on time. The Macy's Store Card may only be used to make purchases at Macy's and macys.com.
What bank has JCPenney credit card? ›What bank owns JCPenney credit card? The JCPenney Credit Card is issued by Synchrony Bank.
Is it hard to get a Old Navy credit card? ›Is it hard to get an Old Navy credit card? Yes, it is hard to get the Old Navy Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for this card.
What is the easiest unsecured card to get? ›- Credit One Bank Platinum Visa: The Credit One Bank Platinum Visa offers cash-back with no security deposit required. ...
- Total Visa: The Total Visa is an unsecured credit card designed for people who don't have perfect credit.
What credit card can I get with a 512 score? ›
- Best Overall: Discover it® Secured Credit Card.
- No Credit Check: OpenSky® Secured Visa® Credit Card.
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.
It is 200 points away from being a “good” credit score, which many people use as a benchmark, and 140 points from being “fair.” A 500 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.
Can I get an Amazon credit card with 500 credit score? ›The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card, on the other hand, requires a 640+ credit score (fair credit).
Is it easy to get a Walmart card? ›No, it is not hard to get a Walmart Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval.
What credit score do you need for PayPal credit? ›To get approved for PayPal, credit borrowers generally need a credit score of 670 or higher. Applicants with a credit score of 700 or higher have the best odds of getting approval for lending from PayPal.
Can you prequalify for a Macy's card? ›You cannot qualify for a Macy's Store card pre-approval. You can, however, get approved within minutes if you apply online or at a Macy's store. Keep in mind, though, that applying for a credit card will most likely result in a hard inquiry on your credit, lowering your score for a short period of time.
How high is the Kohls credit limit? ›As with most retail cards, the Kohl's Card comes with a store credit limit that is typically lower than the credit limits issued on regular credit cards. The amount of credit issued depends on the credit standing of the cardholder and can range from $300 to $3,000, though it tends to be under $1,000 for most people.
What is the maximum credit for Kohls? ›The highest credit limit for a Kohl's Credit Card is reported to be $3,000. Most cardholders will start with a credit limit closer to a minimum of around $300, but some applicants with high credit scores reportedly receive limits between $1,000 and $3,000.
Which bank credit card is hard to get? ›Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
Most Widely Accepted in the U.S.: Visa and Mastercard are both accepted at almost 11 million U.S. merchant locations. Least Widely Accepted Internationally: American Express (160+ countries and territories); Discover (200+). Least Widely Accepted in the U.S.: American Express and Discover (10.6 million locations).
Which Capital One credit card is the easiest to get approved for? ›
Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard. Your credit score is only one of the many factors that determine your credit approval odds.
Can I get a credit card with a 480 credit score? ›Yes, you can get a credit card with a 480 credit score. The best credit card for a 480 score is the OpenSky® Secured Visa® Credit Card because it does not require a credit check and its annual fee is relatively low at $35. This credit card requires a security deposit of at least $200 to open the account.
What bank is target credit card? ›The RedCard credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. The RedCard debit card is issued by Target Corporation. Mastercard is a registered trademark of Mastercard International, Inc. Pat 7,562,048 and 8,117,118.
Is it hard to get a Target card? ›It is not hard to get the Target Credit Card, though it's not especially easy, either. The Target Credit Card is available to people with fair credit or better, which means that most people should have a shot at approval but there are also plenty of people who won't qualify.
What credit score do you need for Fortiva Retail? ›The Fortiva Credit Card is an unsecured credit card for people with bad credit, which means there is no minimum credit score and no security deposit needed.
Can I get a Walmart card with 580 credit score? ›The Capital One Walmart Rewards Card is designed for consumers with fair credit or good credit (a FICO credit score of 580 to 740).
Can I get a Lowes card with a 600 credit score? ›What credit score do I need for a Lowe's card? You'll likely need a fair, good, or excellent credit score to qualify for the Lowe's credit card. Fair credit scores typically start around 600. Good scores start around the high 600s, and excellent scores start around 800.
What store cards can I get with a 600 credit score? ›The best store credit card you can get with a 600 credit score is the Amazon.com Secured Credit Card. It has a $0 annual fee, offers 2% cash back on Amazon purchases if you are a Prime member, and requires a minimum security deposit of $100, which makes it easier to get with bad credit.
Does Target have a store credit limit? ›The starting Target Credit Card credit limit will be based on your overall creditworthiness once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as the issuer does not disclose this information.
What is Target red card? ›RedCard is Target's flagship program, and it has been around for over a decade. It requires you to either open a credit line or connect a bank account to a Target debit card. In exchange, you get a flat 5% off nearly all purchases and free two-day shipping on most items—without any extra work on your part.
Does paying off credit cards improve credit score? ›
While consistently paying off your credit card on time every month is one step towards improving your credit score, there may be cases where you have a high balance on the day the report is made, which may impact your score even if you pay it off the next day.
Who is T.J. Maxx credit card for? ›The TJX Rewards Credit Card is designed for frequent shoppers of TJ Maxx and its affiliated brands like Marshalls, HomeGoods and Sierra Trading Post. Users receive significant points (5x) for each dollar spent at those stores.
What bank is T.J. Maxx credit card? ›Applicants for a credit card with TJX are considered for two cards through Synchrony Bank. The rewards for both cards are the same for purchases at TJX Companies including T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense stores. Cardholders will earn 5% back when shopping at these retailers.
What is T.J. Maxx credit card rate? ›| Info | TJX Credit Card | Sponsored Citi® Double Cash Card – 18 month BT offer |
|---|---|---|
| Regular APR | 31.49% (V) | 18.99% - 28.99% (V) |
| Editors' Rating | 4.5 | 5 |
| Details, Rates & Fees | Learn More | Learn More Rates & Fees |
| Winners | Citi® Double Cash Card – 18 month BT offer | |
Sezzle calculates the limit based on the information you provide at sign-up and performs a soft credit check (credit score isn't impacted). You can use Sezzle Virtual Card on Target.com or in the Target App by adding the card to your payment methods.
Is it smart to get a target RedCard? ›The Target REDcard™ Credit Card isn't a good choice for those who carry balances or don't shop at Target often enough to take advantage of the card's benefits. But for frequent Target shoppers who pay their bills in full, it offers top-notch value.
Can I use Target red card immediately? ›Use your RedCard instantly on Target.com
Yes, if approved add my new RedCard to my Target.com Wallet so I can use it todayMy actual card will arrive in the mail in 7-10 days. Sign in required.
Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.
Can I get an unsecured credit card with a 540 credit score? ›Having a credit score between 400 and 550 doesn't mean that you are ineligible to get approved for an unsecured credit card. Today, there are plenty of credit cards that you can choose from that will help you improve your credit history, but you must use them responsibly and be aware of high interest rates.
What score do you need for a Macy's card? ›Most applicants who are approved for a Macy's Credit Card have a FICO® Score of 600 or higher. If you're aiming for the Macy's American Express® Card, you'll likely need a score of at least 670; ideally, your score should be 700 or higher.
What credit score do you need for Discover it card? ›
Credit needed
In order to qualify for the Discover it miles card, you'll need a good or excellent credit score. Like the Discover it Cashback card, this means you'll want a credit score of 670 or above.
While some issuers offer cards designed for those with less-than-stellar credit scores, American Express does not offer any subprime or secured cards. In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher.
Can I get a Capital One credit card 500 credit score? ›Yes, you can get a credit card with a 500 credit score, though your options will be limited to secured credit cards and unsecured credit cards for bad credit. The best credit card for a 500 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card.
What credit cards can I get with a 592 credit score? ›- Best Overall: Discover it® Secured Credit Card.
- No Credit Check: OpenSky® Secured Visa® Credit Card.
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.
The Capital One Walmart Rewards® Card also offers:
Similar to other Capital One credit cards, rewards can be redeemed at any time and for any amount. Redemption options include travel, gift cards, the ability to cash in points during online checkout at Walmart.com and statement credits.
The Walmart Rewards Mastercard and its in-store credit card are issued by Capital One, and cardholders can earn rewards for shopping at Walmart.
What bank does TJ Maxx use? ›Applicants for a credit card with TJX are considered for two cards through Synchrony Bank. The rewards for both cards are the same for purchases at TJX Companies including T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense stores. Cardholders will earn 5% back when shopping at these retailers.