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, which means a credit score of 750 or higher. 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 & FeesExcellent credit needed: Costco Anywhere Visa® Card by CitiCostco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- Excellent credit needed: West Elm Credit CardWest Elm Credit CardLearn MoreLearn More
- Excellent credit needed: Pottery Barn Credit CardPottery Barn Credit CardLearn MoreLearn More
- Excellent credit needed: Williams Sonoma Credit CardWilliams Sonoma Credit CardLearn MoreLearn More
- Good credit needed: Amazon.com Credit CardAmazon.com Credit CardLearn MoreLearn More
- Good credit needed: Best Buy® Credit CardBest Buy® Credit CardLearn MoreLearn More
You can check out store credit card offers from hundreds of retailers on WalletHub.
2023's Best Store Credit Cards
Compare CardsPeople also ask
What credit score does Macy's card require for approval?
Macy's doesn't specify a minimum credit score to qualify for either of its credit cards. In general, if you have a score higher than 700 for the credit card and 640 for the store card, your odds of approval are high. Keep in mind that in addition to your credit score, the bank will also look at your income, debt and payment history on other credit accounts.
How do I apply for the T. J. Maxx Credit Card?
The easiest way to apply for the TJX Credit Card is online. It should only take a few moments to receive a decision after submitting your application. Otherwise, you could apply in person at any of the following T.J. Maxx store locations:
- T.J. Maxx
- Marshalls
- HomeGoods
- Sierra
- Home Sense
The same application methods apply to the TJX Store Card, too. At the moment, there is no option to apply over the phone.
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read full answerWhat are the best guaranteed approval credit cards with $5,000 limits?
The best guaranteed approval credit card with a $5,000 credit limit is the U.S. Bank Altitude® Go Visa® Secured Card. New cardholders can place a refundable security deposit of up to $5,000 for a credit limit equal to the amount they put down. The U.S. Bank Altitude® Go Visa® Secured Card also gives 1 - 4 points per $1 spent on purchases, and it has a $0 annual fee.
Your chances for a $5,000 limit credit card with guaranteed approval are best if you apply for a secured credit card that...
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