WalletHub, Financial Company
@WalletHub
One of the easiest department store credit cards to get approved for is the Montgomery Ward Credit Account, if you count an online retailer / mail catalog as a department store. You can get it with bad credit which is rare for a store card.
Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let's take a look at a few good options.
Easy Department Store Credit Cards to Get
There are plenty of other department store cards with great deals too. For example, the JCPenney Credit Card, TJX Store Card, and Macy's Store Card all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.
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Benjamin Evans, Member
@ben_evans_art
They’re all about the same. When in doubt, try for your favorite store/get a secured card.
Samuel Perry, Member
@sam_perry_chef
They’re all pretty easy to get from my perspective. But if you have less than fair credit, my understanding is that you’ll have to consider non-traditional department stores, like Fingerhut and Montgomery Ward. Either that, or get Amazon’s secured card.
If you have fair credit or better, just get your favorite store’s card.
Keenan Avery, Member
@keen_avery
All of them need 650 or above to get approved. Fingerhut is a store card, and the exception to that rule, but it's online only.
Not true. I have Kohl's, Target, and Buckle, and at the time of approval my score was under 600.
Kevin Richardson, Member
@krich_business
You may not be familiar with it, but Fingerhut is your best bet - it's pretty much online-only, but they approve people with poor credit and there’s no annual fee. Just be careful with their prices (some items are overpriced).
christinacollins86, Member
@christinacollins86
Fingerhut isn't the easiest it's Stoneberry's k. Jordan Mason easy pay and fifth and Glam
They don’t report credit so pretty much useless unless you’re desperate and need to get gifts or something like that.
I have Stoneberry credit and they have helped me get things I wouldn't have otherwise been able to get. The only problem is that I don't see them being used for my credit score and that's a shame because they are the ones have used the longest.
Abigail Mitchell, Member
@abby_mitch
Fingerhut is the undisputed king of easy approvals, and it kind of sounds like where I played 7 minutes in heaven back in the day - how fitting!
Stella Murphy, Member
@stella_m_dsg
Wait until you have fair credit, and use a secured card to get there. You’ll have a lot more options - including your favorite stores.
Jack Bennett, Member
@jbennett_23
You’ve got plenty of credit card recommendations already. An outside the box suggestion is the Target Debit Card. No credit check, same discounts as the Target Credit Card. Still, better to rebuild with a secured card first.
Justine Browns, Member
@justine_browns
I think the easiest one to get is the Fingerhut. It’s not really a department store, but it does offer more than 500,000 items. You can apply online, it’s very fast and easy, and you get a decision quickly. You can get approved for it even if you have poor credit, and it doesn’t have an annual fee. All the others require you to have at least fair credit.
Country Door is ready and so is Perpay. I love Perpay. It builds your score, increases your limits often and is a great resource for holidays. I used it for holidays when I was struggling and it was great when I needed it. Started with $1100 limits that's now at $2,750.
Nora Coleman, Member
@nora_c_art
From what I’ve read, Fingerhut is the most accessible, but if you want a physical store card, Kohl’s and Victoria’s Secret seem to approve people with lower scores.
Target’s debit card is also a sneaky workaround - same perks, no credit check. That said, store cards can be tricky - high interest, low limits - so maybe only go for one if you actually shop there often.
Michael CC, Member
@mchen_design
Fingerhut. Period. Even with bad credit, you can apply online in minutes, get approved fast, and start rebuilding - no annual fee. Just don’t expect a physical store (everything’s online), but you can buy tools, clothes, even weird kitchen gadgets. Just pay on time - they’ll reward you. Other “easy” options: Maurices (if you have Capital One) or Stoneberry’s EasyPay.
timpetit83, Member
@timpetit83
I got a Fingerhut credit card 2 years ago with poor credit and now I'm up to a $3,000 credit limit 2 years later they got good quality products in 2 years ago I started out with a $200 credit limit that Fingerhut within 5 months it went up to $700 credit limit and then on now it's 3,000 it's a good card to have because you can buy basically anything but food
Latisha F, Member
@tisha2551
Maurices is backed by CapitalOne credit. If you have a CapitalOne credit card already, this one is approved as well. Fingerhut is online only, not sure why they send credit cards in the mail. For poor credit building credit cards, Indigo has cheaper interest rate than CapitalOne. CreditOne is also for poor credit and offers a 1% - 3% cash back on fuel and food purchases.
Motley Grasse, Member
@motley_grasse
I know you can get the Fingerhut even if you have bad credit, but I'm not sure it counts as a department store.
People also ask
What are the easiest store credit cards to get with bad credit?
The easiest store credit card to get with bad credit is the Net First Platinum card. It guarantees approval for applicants with bad credit or no credit history, provided the applicant is at least 18 years old and their income exceeds their bills by at least $150 per month.
It’s worth noting that while the Net First Platinum has a $0 annual fee and allows you to make purchases on the Horizon Outlet website, it does not report...
read full answer by John S Kiernan, Managing EditorWhat are the best store credit cards for bad credit?
The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.
They don’t have a whole lot of competition, however. There are very few store credit cards for bad credit available right now. Nearly all store cards require at least fair credit for approval, according to WalletHub’s database...
read full answer by John S Kiernan, Managing EditorWhat are the easiest store credit cards to get?
Montgomery Ward Credit Account is among the easiest store credit cards to get, as you can get approved with bad credit (a credit score of 500+). The card does not charge an annual fee, so it can help people with no credit or even bad credit improve their credit score for free.
Easiest Store Credit Cards to Get
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Ongoing Rewards: N/A
Annual Fee: $0
Minimum security deposit: N/A
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read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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