Lisa Cahill, Credit Cards Moderator
The best store credit cards to build credit with are the Amazon.com Store Card (5% back in rewards back on Amazon.com with a Prime membership) and the Target Credit Card (5% discount at Target and Target.com). Both require just fair credit for approval. And like all major store credit cards, they report to the three major credit bureaus every month. That will help you build credit history. But keep in mind that store cards can only be used at the retailer they’re affiliated with.
Best Store Credit Cards to Build Credit With
You need at least a fair credit score to be approved for most store credit cards. If you have bad or limited credit, your options are slim. In fact, the only real "store card" for limited or bad credit is the Fingerhut Credit Account, which you can only use at the online retailer Fingerhut. As a result, you might be better off expanding your search beyond store credit cards to include secured credit cards and general-purpose credit cards for people with limited or bad credit. Then when you reach fair credit, you can accelerate your credit building and maximize your savings with a store credit card from your favorite retailer.
It’s also worth noting that some of the best store credit cards to build credit with have "deferred interest." Don’t confuse this with a normal 0% offer, where you only owe interest on the balance remaining after your intro periods ends. With deferred interest, you must pay off your entire balance by the end of the promotional period. If you don’t, you owe interest at the card’s regular APR from the date of purchase instead.
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