Any store card can be an instant approval department store credit card. When you apply online, there’s always a chance you will be instantly approved (or denied). Many stores also allow customers to apply in-store and receive a decision right away. Sometimes, the retailer will even let the new cardholder use the card immediately to pay for that day’s purchase.
The cashier at your favorite retailer should be able to give you more information. Some of the best store cards include those from big-name retailers like TJX, Kohl’s and Amazon.
Best instant approval department store credit cards:
TJX Store Card
Kohl's Credit Card
Fingerhut Credit Account
Target Credit Card
Amazon.com Store Card
Best Buy® Store Card
There are loads more department store credit cards to check out. But while it’s common to receive an instant decision for a store card, it’s not guaranteed. Your application might take longer to process if you’re right on the edge of meeting the card’s requirements, or if you make a mistake and accidentally give incorrect information on the application.
The best instant approval department store credit card is the Amazon Store Card because it offers 5% cash back on Amazon purchases to cardholders who have an Amazon Prime account. It also offers a bonus of a $10 Amazon gift card just for being approved. The Amazon Store Card is available to people with fair credit, just like most other store cards. So people who have at least a 640 credit score and a steady income have a good chance of instant approval when applying online. But keep in mind that Synchrony Bank, the card issuer, might take longer to review the application in some cases.
Another good option is the Target Credit Card, also known as the REDcard. It offers 5% cash back at Target and Target.com. And it gives cardholders 30 extra days for returns at Target, as well as free 2-day shipping. There’s a $0 annual fee, too. Like with the Amazon card, you’re likely to get an instant decision but might not 100% of the time.
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