What 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

Ongoing Rewards: N/A

Annual Fee: $0

Minimum security deposit: N/A

Credit requirement: Accepts people with bad credit (a credit score of 500+)

Ongoing Rewards: 2% back at Amazon.com and Whole Foods Market purchases for Prime members

Annual Fee: $0

Minimum security deposit: $100

Credit requirement: Accepts people with bad credit (a credit score of 300+)

Ongoing Rewards: 5% discount at Target and Target.com

Annual Fee: $0

Minimum security deposit: N/A

Credit requirement: Fair credit (640+ credit score recommended)

Although store credit cards can’t usually 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.

It’s worth noting, though, that store cards may come with higher interest rates and lower credit limits than general credit cards. Always consider whether a store card is the best option for your financial situation. To explore more options, check out our editors’ latest picks for the best credit cards for bad credit on the market.

If you need approval fast:

• In-store apps are easier (TJ Maxx, JCPenney, etc.)
• Synchrony Bank issues most (they're lenient)
• Retail cards often have higher limits (my Ikea card gave 2k when my real card was 300) 

But warning: they'll close your account if it’s inactive. My Macy's card got axed after 6 months of no use.

As far as I know, they’re all pretty much equally easy to get. But I can tell you that the TJMaxx Card was pretty easy to get. I strolled into Marshalls with a measly 620 credit score, bought a $12 candle, and walked out with a $500 limit like the king I am. 

These store cards are basically handing out approvals like free samples at Costco. Just flash your ID at checkout and bam - instant gratification. Of course, the APR is criminal, but who cares when you’re swimming in discount throw pillows?

As someone who lives online, I can confirm the Amazon Store Card is easy to get and very useful - instant approval decisions, 5% back at Amazon, and you can often snag a 60-100 sign-up bonus. And you can buy a lot more on Amazon than at a random department store. The Target, Walmart and Kohl’s cards are the next best options though.

TJX Rewards Card (for Marshalls/T.J.Maxx/HomeGoods) is surprisingly easy to get! I applied in-store with a 620 score and was approved for $500.