Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval. On top of that, the Costco Credit Card is only available to Costco members.
On the other hand, store-only credit cards generally require fair credit or better for approval. These cards are a good option for people loyal to a particular brand, since they can usually only be used at the retailer they are associated with. Store-affiliated credit cards with stricter approval requirements can typically be used anywhere, though they might offer better rewards for purchases at their respective brand.
Hardest Store Credit Cards to Get
- Rates & Fees Excellent credit needed: Costco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- Rates & Fees Excellent credit needed: Costco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- Excellent credit needed: Costco Anywhere Visa® Card by CitiLearn MoreLearn More
- Excellent credit needed: West Elm Credit CardLearn MoreLearn More
- Rates & Fees Terms Apply Excellent credit needed: West Elm Credit CardLearn MoreLearn Moreon issuer's website
- Excellent credit needed: West Elm Credit CardLearn MoreLearn More
- Excellent credit needed: Pottery Barn Credit CardLearn MoreLearn More
- Excellent credit needed: Pottery Barn Credit CardLearn MoreLearn Moreon issuer's website
- Excellent credit needed: Pottery Barn Credit CardLearn MoreLearn More
- Excellent credit needed: Williams Sonoma Credit CardLearn MoreLearn More
- Excellent credit needed: Williams Sonoma Credit CardLearn MoreLearn Moreon issuer's website
- Excellent credit needed: Williams Sonoma Credit CardLearn MoreLearn More
- Good credit needed: Amazon Credit CardLearn MoreLearn More
- Good credit needed: Amazon Credit CardLearn MoreLearn Moreon issuer's website
- Good credit needed: Amazon Credit CardLearn MoreLearn More
- Good credit needed: Best Buy® Credit CardLearn MoreLearn More
- Good credit needed: Best Buy® Credit CardLearn MoreLearn Moreon issuer's website
- Good credit needed: Best Buy® Credit CardLearn MoreLearn More
- Excellent credit needed:
- Excellent credit needed:
- Excellent credit needed:
- Excellent credit needed:
- Good credit needed:
- Good credit needed:
You can check out store credit card offers from hundreds of retailers on WalletHub.
Popular Credit Cards for Shopping from Our Partners
People also ask
What is the Macy's Store Card credit score requirement?
The Macy's Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Macy's Store Card.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Macy's Store Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...
read full answer by Chip Lupo, Credit Card WriterHow do I apply for T.J. Maxx Credit Card?
The easiest way to apply for the TJX Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony’s website. Alternatively, you can apply in store.
Keep in mind that the TJX Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...
read full answer by Adam McCann, Financial WriterWhat are the best guaranteed approval credit cards with $5,000 limits?
The Bank of America® Travel Rewards Secured Credit Card is the best credit card with nearly guaranteed approval that can give you a $5,000 credit limit. It accepts applicants with bad credit, and you can place a refundable security deposit of up to $5,000 for a credit limit equal to the amount you put down. The Bank of America® Travel Rewards Secured Credit Card also gives 1.5 points per $1 spent on purchases, and it has a $0 annual fee.
In general, your chances of being approved for a $5,000 limit...
read full answer by Maria Adams, Credit Cards ModeratorDid 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.
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.