Maria Adams, Credit Cards Moderator
@m_adams
The best guaranteed approval store credit card is the Amazon Secured Credit Card because it accepts people with bad credit and has a $0 annual fee. You will need to deposit $100, which will act as your credit limit, but you will be rewarded with 2% back at Amazon.com and Whole Foods Market purchases for Prime members.
Of course, approval for a credit card is never truly guaranteed. But this card is easier to get approved for than other store-affiliated credit cards.
Best Store Credit Cards for Nearly Guaranteed ApprovalÂ
For more options, you can compare our editors’ picks for the best store credit cards. If you are looking for an unsecured store card, a good example is the Montgomery Ward Credit Account. It's one of the easiest credit cards to get overall, and Montgomery Ward also offers pre-qualification. Applying for the card is simple, too: Just make a purchase, select Wards Credit at checkout, and answer a few quick questions to receive an instant decision.
Finally, it’s worth reiterating that “guaranteed approval” doesn’t really exist. Every credit card company has some minimum standards an applicant must meet in order to get approved. Various factors like your credit history, income and debt determine the outcome of your application.
Popular Credit Cards for Shopping
julieotedesco, Member
@julieotedesco
Amazon, JC Pennys, Sheila, Temu
People also ask
What are the best credit cards for a 550 credit score?
The best credit card for a 550 credit score is the opensky Plus Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The opensky Plus Credit Card also reports to the credit bureaus on a monthly basis. You’ll have to put down an initial deposit of at least $300 to open the account, but that’s fully refundable.
Best Credit Cards for a 550 Credit Score
- Rates & Fees Best Overall:
- Rates & Fees Best Overall:
- Best Overall:
- Custom Rewards:
- Custom Rewards:
- Custom Rewards:
- No Bank Account Needed:
- No Bank Account Needed:
- No Bank Account Needed:
- Rates & Fees No Credit Check:
- Rates & Fees No Credit Check:
- No Credit Check:
- Rewards on Payments:
- Rewards on Payments:
- Rewards on Payments:
- Best Overall:
- Custom Rewards:
- No Bank Account Needed:
- No Credit Check:
- Rewards on Payments:
A 550...
read full answer by William Memphis, WalletHub Credit Card AnalystWhat are the best store credit cards for bad credit?
The best store credit card for bad credit is the Amazon Secured Credit Card because it is available to applicants with credit scores below 640, has a $0 annual fee, and reports to the major credit bureaus monthly. It also offers rewards if you have an Amazon Prime membership and only has a 10% APR. You’ll need to put down a $100+ deposit to open the card, but you can “graduate” to an unsecured card after as little...
read full answer by John S Kiernan, Managing EditorWhat are the easiest department store credit cards to get?
One of the easiest department store credit cards to get approved for is the Montgomery Ward Credit Account, if you count an online retailer / mail catalog as a department store. You can get it with bad credit which is rare for a store card.
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...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.