Which clothing store credit cards are best? This question is about Store Credit Cards

Which clothing store credit cards are best?

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This question is about Store Credit Cards

Maria Adams, Credit Cards Moderator

@m_adams • 02/10/23 This answer was first published on 03/24/21 and it was last updated on 02/10/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best clothing store credit card is the Express Credit Card because it has a $0 annual fee and offers 20 points per $1 spent at Express locations. You also get bonus of $20 as a birthday gift.

Other worthwhile clothing store credit cards to consider are T.J.Maxx’s TJX Store Card and the GAP Credit Card because each works at multiple clothing stores and both offer first-purchase discounts of 10% or more as well as good ongoing loyalty rewards.

The TJX Store Card can be used at T.J.Maxx, Marshall’s, HomeGoods, Sierra Trading Post, Homesense, and their online stores. The GAP Credit Card can be used anywhere Mastercard cards are accepted, but its 5 points / $1 rewards only apply to purchases at Gap, Old Navy, Banana Republic, Athleta, and their online stores.

Best Clothing Store Credit Cards of 2023

Overall: Express Credit CardExpress Credit CardLearn MoreLearn More
T.J. Maxx Purchases: TJX Store CardTJX Store CardLearn MoreLearn More
GAP Purchases: GAP Credit CardGAP Credit CardLearn MoreLearn More
Nordstrom Purchases: Nordstrom Credit CardNordstrom Credit CardLearn MoreLearn More
Kohl's Purchases: Kohl's Credit CardKohl's Credit CardLearn MoreLearn More
Amazon Purchases: Amazon.com Store CardAmazon.com Store CardLearn MoreLearn More
Target Purchases: Target Credit CardTarget Credit CardLearn MoreLearn More

Show More CardsShow Less Cards

Overall, 9 of the 10 largest U.S. clothing retailers have their own credit cards, so shoppers have plenty of ways to save.

Answer Question

What is the Walmart Credit Card credit score requirement?

The Walmart Credit Card credit score requirement is 640 or higher. That 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.

Other things you need for the Walmart Credit Card:

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Walmart Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Walmart Credit Card credit score requirement. You can check your credit score for free on WalletHub.

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What are the best credit cards for a 550 credit score?

One of the best credit cards for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus... read full answer (Equifax, Experian, and TransUnion) every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.

However, this isn’t the only credit card you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, which goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score.

Some of the best credit cards for a 550 score:

No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
Cash Back: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
No Deposit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Flat Rewards Rate: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More

You can also check our editors’ complete picks for the best credit cards for bad credit to see which one best suits your needs.

Before applying for a card, make sure to check out its terms and conditions, or an FAQ page if there is one. This way, you can make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.

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WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

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