What are the easiest department store credit cards to get?

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.… read full answer

Generally, the best electronic store credit cards are those from retailers that sell electronics in addition to other goods. For example, the and offer great value. And the best overall store credit card for electronics has to be the , which gives 5% back on Amazon.com purchases for Prime members and instantly loads a $10 Amazon gift card upon approval. Amazon isn’t an electronics store per se, but it has more electronics than one.

There are a few other options of note, too. You can check out the particulars below.

Here are the best electronic store credit cards:

• Best Buy® Store Card: Annual fee: $0. Gives 10% back in rewards (5 points per $1 spent) on your first day of purchases made within the first 14 days. 2.5 points per $1 spent on Best Buy purchases. Free shipping on $35+ online orders. Fair credit needed. If you have good credit, you can get the Best Buy® Credit Card and use it anywhere.
• Amazon.com Store Card: $0 annual fee. $10 Amazon gift card upon approval. 5% back on Amazon.com purchases for Prime members. 0% deferred interest for 6 - 24 months. Fair credit needed. Works anywhere that accepts Amazon Pay. There’s also the Amazon.com Credit Card for people with good or excellent credit.
• Walmart® Store Card: $0 annual fee. 5 points per $1 spent (5% back) in Walmart stores when you use Walmart Pay for the first 12 months, 5 points (5% back) on Walmart.com purchases, and 2 points (2% back) at Walmart stores, Walmart & Murphy USA Fuel Stations. Fair credit needed. Can only use at Walmart, Murphy USA or Sam’s Club. There’s also the Capital One Walmart Rewards® Mastercard® for above-average credit.
• Synchrony Home Credit Card: Annual fee: $0. Let’s you shop at thousands of different retailers, including some electronics stores. Gives you access to cardholder-only sales and events. Offers 0% deferred interest at some stores for 6 - 12 months. Fair credit needed.
• Newegg Credit Card: Annual fee: $0. Exclusive discounts for cardholders. 0% deferred interest for 6 - 12 months on certain products. Fair credit needed. Can only use at Newegg.com.
• P.C. Richard & Son Credit Card: Annual fee: $0. 0% deferred interest for 6 - 36 months on certain products. Fair credit needed. Can only use at P.C. Richard & Son.
• Target Credit Card: $0 annual fee. 5% discount at Target and Target.com. Free 2-day shipping on Target.com purchases. 30-day extended returns. Fair credit needed. Can only use at Target.

In all, you’re going to find much better credit cards from big retailers that sell multiple things. Electronic store credit cards tend to not offer much other than deferred interest and the occasional discount. The and are well worth your time. And if you have good credit, you may even want to consider the , which you can use anywhere. It gives you a $50 Amazon.com gift card upon approval ($100 for Prime members) and 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases.

The best store credit cards for bad credit are the Fingerhut Credit Account and the Montgomery Ward Credit Account. 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 of 1,500+ credit card offers. But there are exceptions from time to time. … read full answer

There are other types of cards to consider, too. They include unsecured credit cards for people with bad credit as well as secured credit cards, which give you the highest approval odds. Some even offer rewards and are affiliated with a popular brand. In other words, they’re like store credit cards for bad credit, but you can use them anywhere. You can check out our top picks below.

Best Store-Affiliated Credit Cards for Bad Credit

There aren’t many store credit cards for people bad credit to choose from right now, so identifying the best of the bunch isn’t very difficult. Overall, the best store credit card for bad credit is the Fingerhut Credit Account because you can get it with a poor credit score and there’s no annual fee. Plus, the Fingerhut Credit Account reports to the credit bureaus every month, which will allow you to build credit if you pay your bills on time.

Fingerhut is an online retailer that sells a broad array of goods from major brands, often at a discount, and allows you to pay for them in monthly installments. You can buy TVs and computers for up to 25% off, for example.

You don’t want to limit yourself unnecessarily, however. There are plenty of other credit cards for bad credit that could provide even better perks with popular retailers. So, make sure to keep the following pointers in mind when shopping for the best credit card for your needs.

3 Things to Remember When Looking for Store Credit Cards with Bad Credit

1. Store credit cards don’t give the highest approval odds. Nearly all store credit cards require at least fair credit for approval.
2. Store credit cards and co-branded credit cards are different. A store credit card works at no more than a few retailers, but usually just one. A co-branded credit card is affiliated with a retailer or other company but can be used anywhere Visa, Mastercard, Discover or American Express is accepted.
3. Secured cards are best for credit repair. Store credit cards for poor credit are barely a thing. Secured credit cards, on the other hand, were made to help people with bad credit rebuild.

If you’re interested in more advice, sign up for a free WalletHub account. You can check your credit score for free, with daily updates, and receive personalized credit-improvement tips and recommendations for credit cards with high approval odds.

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon.com Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

Here are the easiest store credit cards to get:

This is one of the easiest store credit card to get because you can get approved with bad credit. Things you can buy with the Fingerhut Credit Card include clothing, shoes, electronics, garden supplies, tools, and more. Plus, this card will build your credit - it reports to … read full answermajor credit bureaus monthly.

This card is available to people with bad credit. The Montgomery Ward Credit reports to credit bureaus, so it will help you build your credit. The card also offers the Buy Now, Pay Later feature with low monthly payments starting from $10/month. Plus, there’s an opportunity for credit limit increases.

This credit card is available to people with bad credit. Cardholders with an eligible Prime membership are instantly upgraded to the Amazon Prime Store Card Credit Builder and they can earn 2% cash back on their purchases. The card also reports to the three major credit card bureaus.

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. Plus, if the card reports to the major credit bureaus every month, you can build up your credit score.