What are the easiest department store credit cards to get?

Question

The best electronic store credit card is the Best Buy® Store Card. It gives 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days. Or, you can forego any rewards and instead get 0% deferred interest for 12 - 24 months on select purchases. But deferred interest is tricky. If you don’t pay your whole balance by the end of the 0% APR period, you owe all the interest that would have accrued during those months.

Generally, the best electronic store credit cards are those from retailers that sell electronics...

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Answer 1 · 2022-12-07 17:35:46

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WalletHub, Financial Company

@WalletHub • 12/07/22 This answer was first published on 11/12/21 and it was last updated on 12/07/22.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 easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. 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.

Here are some of the easiest department store credit cards to get:

Target Credit Card: For people with fair credit. 5% discount at Target and Target.com. Returns extended by 30 days. Free shipping. $0 annual fee.
Walmart® Store Card: For people with fair credit. 2 - 5 points per $1 on Walmart purchases and Walmart & Murphy USA Fuel Stations. $0 annual fee.
Kohl's Credit Card: For people with fair credit. 35% discount on your fist purchase. 5% cash back on every qualifying purchase made at Kohl. $0 annual fee.
JCPenney Credit Card: For people with fair credit. 1 point / $1 on qualifying purchases. Discounts on select items. Annual fee: $0.
Fingerhut Credit Account: For people with bad credit. Easiest store card to be approved for. No rewards. $0 annual fee.
Amazon.com Store Card: For people with fair credit. 5% back in rewards cash back at Amazon.com if you have a Prime account. $10 gift card after approval. $0 annual fee.

There are plenty of other department store cards with great deals too. For example, TJX, Saks Fifth Avenue and Sears 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.

Answer 2 · 2018-01-21 17:11:14

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Keenan Avery, Member

@keen_avery • 01/21/18 This answer was first published on 01/20/18 and it was last updated on 01/21/18.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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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.

@SamanthaGoodrich26

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You don't need a 650, I got approved for every one of those with a 500

Tyrome @Papi_

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Not true. I have Kohl's, Target, and Buckle, and at the time of approval my score was under 600.

Answer 3 · 2023-05-21

@SamanthaGoodrich26

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You don't need a 650, I got approved for every one of those with a 500

Answer 4 · 2023-02-19

Tyrome @Papi_

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Not true. I have Kohl's, Target, and Buckle, and at the time of approval my score was under 600.

Answer 5 · 2021-05-07 08:26:25

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christinacollins86, Member

@christinacollins86 • 05/07/21 This answer was first published on 05/07/21. 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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Fingerhut isn't the easiest it's Stoneberry's k. Jordan Mason easy pay and fifth and Glam

Colleen M @colaracquel1980

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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.

Answer 6 · 2022-08-16

Colleen M @colaracquel1980

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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.

Answer 7 · 2018-09-19 11:05:32

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Justine Browns, Member

@justine_browns • 09/19/18 This answer was first published on 04/03/18 and it was last updated on 09/19/18.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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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.

Answer 8 · 2021-12-04 23:19:55

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timpetit83, Member

@timpetit83 • 12/04/21 This answer was first published on 12/04/21. 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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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

Answer 9 · 2019-01-27 19:10:24

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tisha2551, Member

@tisha2551 • 01/27/19 This answer was first published on 01/27/19. 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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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.

Answer 10 · 2018-02-16 17:29:52

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Motley Grasse, Member

@motley_grasse • 02/16/18 This answer was first published on 02/16/18. 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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I know you can get the Fingerhut even if you have bad credit, but I'm not sure it counts as a department store.

What are the easiest department store credit cards to get?

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Here are some of the easiest department store credit cards to get:

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