The Fingerhut Credit Account is 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. And this card will build your credit - it reports to major credit bureaus monthly.
The Montgomery Ward Credit Account is available to people with bad. This credit card doesn’t report to credit bureaus, so it won’t build your credit. But it does allow you to buy Montgomery Ward merchandise at special discounts. And there’s opportunity for a credit limit increase.
The Walmart® Store Card is available for people with fair credit or better, but reports online suggest you can get approved with bad credit. It gives 5 points / $1 at Walmart.com and in-app, including grocery pickup and delivery, and 2 points / $1 at Walmart stores.
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. And if the card reports to the major credit bureaus every month, you can build up your credit score.
The best credit card for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.… read full answer
The Discover it® Secured Credit Cardis another great 550 credit score credit card. It has a $0 annual fee and actually rewards you for making purchases. A 550 credit score won’t keep you from getting approved either. But a pending bankruptcy will.
Those aren’t the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: Secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
Before applying for a card, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.
One of the best easy approval gas credit cards is the Discover it® Secured Credit Card. Because it’s secured, bad credit won’t disqualify you. Plus, it has a $0 annual fee and gives you 2% cash back on up to $1,000 you spend at gas stations and restaurants (combined) each quarter. And since it’s a cash back card with no restrictions on what gas stations are eligible for rewards earning, it’s one of the most flexible options.… read full answer
Discover it Secured Credit Card isn’t the only gas rewards card that’s easy to get. But most other offers require a bit better credit.
Here are some of the best easy approval gas credit cards:
Discover it® Secured Credit Card: $0 annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent each quarter combined. 1% cash back everywhere else. First-year rewards match. $200 minimum refundable security deposit. You can get this card with bad credit/limited credit.
Walmart® Store Card: $0 annual fee. 2 points per $1 (2% cash back) at Walmart & Murphy USA Fuel Stations. You need fair credit or better.
Shell Gas Card: $0 annual fee. 10 ¢ per gallon discount at Shell gas stations. You can get this card with fair credit.
Chevron and Texaco Gas Card: $0 annual fee. 37¢ per gallon in fuel credits for the first 90 days. After that, 3¢ per gallon on Regular or Diesel, 6¢ on PLUS and 8¢ on Supreme/Premium through 9/30/2022 (3¢ on all fuel thereafter). You can get this card with fair credit.
ExxonMobil Gas Card: $0 annual fee. 30¢ per gallon of Synergy fuel for the first 2 months, 6¢ per gallon after that at over 11,000 Exxon and Mobil stations. This card requires fair credit.
Discover it® Student chrome: $0 annual fee. 2% cash back at gas stations and restaurants, up to $1,000 spent per quarter in those categories combined. 1% on all other purchases. Discover matches the cash back you earn year one. Students with limited credit or better can get this card.
The best easy approval gas card for you will depend on where you fill up and how good your credit is. But no matter what card you get, make sure to pay your bill on time every month. That will help you build credit and qualify for one of the best gas rewards credit cards.
The Target Credit Card credit score requirement is “fair”. So, you need a 640+ credit score to get it. The Target Credit Card is a store card, and just about all store credit cards require fair credit. But because it’s a store credit card, it can only be used to make Target purchases, in-store and online.… read full answer
When you apply for a Target Credit Card, your credit score is one of the major factors that the card’s issuer will consider. But it’s not the only factor. Your income, employment status, debts and housing information matter, too. But generally speaking, the higher above 640 your score is, the better your odds of approval are.
Here are the Target Credit Card requirements:
Minimum credit score: 640 (fair credit)
Age requirement: 18 years old
Income requirement: Enough to afford monthly payments (wages, investments, etc.)
Citizenship: Must be a U.S. citizen with a valid SSN
Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target Credit Card online, by phone at (800) 659-2396, by mail, or in person at a local Target store. When you apply online, you may be approved instantly, or your application may require additional review. A decision on a pending application can take 7-10 business days.
If approved, you will receive a minimum starting credit limit of $250. You will also be able to make purchases the same day you’re approved. You get temporary card information to use until your actual card arrives.
The Target credit card gives you a 5% discount at Target and Target.com. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. There’s a $0 annual fee.
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