WalletHub, Financial Company
@WalletHub
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.

2023's Best Store Credit Cards
Compare CardsKeenan 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.
christinacollins86, Member
@christinacollins86
Fingerhut isn't the easiest it's Stoneberry's k. Jordan Mason easy pay and fifth and Glam

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.
People also ask
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.
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
tisha2551, 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.
Did we answer your question?