Ashley Wade, WalletHub Analyst
@shlee
The best instant use store credit card is the Prime Visa. This card offers $250 Amazon gift card instantly upon approval. The card offers 1 - 5% cash rewards on purchases and has a $0 annual fee. Take into account that, while it’s common to receive an instant decision for a store card, it’s not guaranteed. Your application might take longer to process. The cashier at your favorite retailer should be able to give you more information.
Notable Instant Use Store Credit Card
- Rates & Fees Best Overall: Prime VisaLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Prime VisaLearn MoreLearn Moreon issuer's website
- Best Overall: Prime VisaLearn MoreLearn More
- Best Overall:
Initial bonus: $250 Amazon gift card instantly upon approval
Ongoing rewards: 5% back at Amazon.com, Amazon Fresh, Whole Foods Market with an eligible Prime membership, 5% back on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), as well as 1% back on all other purchases
Annual Fee: $0
Credit Requirement: Good credit (700+ credit score recommended)
- Initial Bonus: Target Credit CardLearn MoreLearn More
- Initial Bonus: Target Credit CardLearn MoreLearn Moreon issuer's website
- Initial Bonus: Target Credit CardLearn MoreLearn More
- Initial Bonus:
Initial bonus: $50 off a future qualifying purchase over $50 in the first 60 days
Ongoing rewards: 5% discount at Target and Target.com
Annual Fee: $0
Credit Requirement: Fair credit (640+ credit score recommended)
- Online Shopping: Amazon Store CardLearn MoreLearn More
- Online Shopping: Amazon Store CardLearn MoreLearn Moreon issuer's website
- Online Shopping: Amazon Store CardLearn MoreLearn More
- Online Shopping:
Initial bonus: $60 Amazon Gift Card upon approval
Ongoing rewards: 5% back on Amazon.com and Whole Foods Market purchases for Prime members
Annual Fee: $0
Credit Requirement: Fair credit (640+ credit score recommended)
Occasionally, you will immediately be able to make one purchase with the card’s credit line at the affiliated merchant, but won’t be able to use it again until the card arrives by mail. You can check out our editors’ latest picks for the best store credit cards on the market to weigh your options.
Popular Credit Cards for Shopping from Our Partners
People also ask
What are the easiest store credit cards to get?
Montgomery Ward Credit Account is among the easiest store credit cards to get, as you can get approved with bad credit (a credit score of 500+). The card does not charge an annual fee, so it can help people with no credit or even bad credit improve their credit score for free.
Easiest Store Credit Cards to Get
- Potential for Low APR:
- Potential for Low APR:
- Potential for Low APR:
- Potential for Low APR:
Ongoing Rewards: N/A
Annual Fee: $0
Minimum security deposit: N/A
Credit requirement: Accepts people with...
read full answer by Maria Adams, Credit Cards ModeratorWhat are the best store cards with no credit check?
The best store credit cards with no credit check are Horizon Outlet’s Group One Platinum Card and Net First Platinum, which are meant to help customers with low credit scores access a line of credit. They have a $750 credit limit and a $0 annual fee.
However, you should note that these cards do not report to the major credit bureaus. This means the Group One Platinum Card and Net First Platinum won’t help you build credit.
What to Know Before Getting a Store Card with No Credit...
read full answer by Ryan P Page, Staff WriterWhat stores offer store credit cards?
Major stores that offer store credit cards include Target, Walmart, Amazon, Home Depot, Best Buy, and Costco. Out of the top 25 retailers, 12 offer store credit cards, which can only be used at a particular store or group of affiliated retailers. Most store credit cards come with $0 annual fees, are available to people with fair credit or better, and offer discounts and rewards exclusively for cardholders.
Popular Retail Credit Cards
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