What are my Big Lots credit card approval odds?

The easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Walmart Store Card. None of these cards require more than “fair” credit for approval, and they all have $0 annual fees. Some applicants might even be able to get approved with bad credit.… read full answer

The Fingerhut Credit Account is the easiest store credit card to get because you can get approved with bad credit in some situations. Things you can buy with the Fingerhut Credit Account include clothing, shoes, electronics, garden supplies, tools, and more. And this card will build your credit - it reports to major credit bureaus monthly.

The Montgomery Ward Credit Account is available to people with limited credit or better. This credit card doesn’t report to credit bureaus, so it won’t build your credit. But it does allow you to buy Montgomery Ward merchandise at special discounts. And there’s opportunity for a credit limit increase.

The Walmart Store Card is available for people with fair credit or better, but reports online suggest you can get approved with bad credit. It gives 5% back at Walmart.com and in-app, including grocery pickup and delivery, and 2% back at Walmart stores.

Although store credit cards usually can’t be used anywhere except for the store they’re branded with, they are a great way to save on some of your biggest purchases. They’re also much easier to get than most rewards cards. And if the card reports to the major credit bureaus every month, you can build up your credit score.

Yes, the Big Lots Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.

There is no way to pre-qualify for the Big Lots Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us. Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as … read full answersecured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.

Here are some Comenity Bank credit cards that are easy to get:

1. Zales Credit Card. Requires fair credit. No annual fee. 10% off all repair services. $50 off a $200+ purchase on your birthday. 0%-9.99% deferred interest for 6-36 months. Free shipping and exclusive coupons.
2. Ann Taylor Credit Card. Requires fair credit. No annual fee. 15% off the day you open an account, plus the first Thursday of every month. $15 birthday gift. 5 points per $1 spent. Double points during exclusive events. 2,000 points for a $20 gift card.
3. Catherines Credit Card. Requires fair credit. No annual fee. 15% off your first purchase. 10% off all other purchases. Bonus coupons during your birthday month.
   
4. WayFair Credit Card. Requires fair credit. No annual fee. 3% back in store rewards. $10, $25 or $40 off your first order of $50, $100 or $250. 0% deferred interest for 6-12 months.
5. Jessica London Credit Card. Requires fair credit. No annual fee. $10 reward certificate for opening an account. 2 points per $1 spent on Fullbeauty brands. Double points and a 20% off coupon your birthday month. 400 points get you a $10 reward certificate. Free shipping 4 times per year on purchases of $75+.
6. West Elm Credit Card. Requires fair credit. No annual fee. Welcome bonus of 50 Reward Dollars. 25 Reward Dollars on your birthday. 10% back in Reward Dollars or special financing. 250 Reward Dollars for a $25 gift certificate. 0% deferred interest for 12 months.
7. Petland Credit Card. Requires fair credit. No annual fee. 1 point per $1 spent, up to 2,000 points per month. 100 points for a $5 rewards certificate. Exclusive discounts and promotional financing.
8. Overstock Store Card. Requires fair credit. No annual fee. 10% off your first purchase. No other rewards. 0% deferred interest for 6-24 months.
   
9. Blue Nile Credit Card. Requires fair credit. No annual fee. No rewards. 0%-99% deferred interest for 6-60 months.
10. Big Lots Credit Card. Requires fair credit. No annual fee. No rewards. 0% deferred interest for 6-12 months.

As you can see, none of these cards charge an annual fee, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.