How do I apply for the Justice Credit Card?

Question

The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. 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 means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.… read full answer

Here are some of the easiest department store credit cards to get:

Target Credit Card: For people with fair credit. 5% discount at Target and Target.com. Returns extended by 30 days. Free shipping. $0 annual fee.

Walmart® Store Card: For people with fair credit. 2 - 5 points per $1 on Walmart purchases and Walmart & Murphy USA Fuel Stations. $0 annual fee.

Kohl's Credit Card: For people with fair credit. 35% discount on your fist purchase. 5% cash back on every qualifying purchase made at Kohl. $0 annual fee.

JCPenney Credit Card: For people with fair credit. 1 point / $1 on qualifying purchases. Discounts on select items. Annual fee: $0.

Fingerhut Credit Account: For people with bad credit. Easiest store card to be approved for. No rewards. $0 annual fee.

Amazon.com Store Card: For people with fair credit. 5% back in rewards cash back at Amazon.com if you have a Prime account. $10 gift card after approval. $0 annual fee.

There are plenty of other department store cards with great deals too. For example, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.

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Answer 1 · 2021-06-07 09:17:18

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts • 06/07/21 This answer was first published on 06/04/21 and it was last updated on 06/07/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can’t apply for the Justice Credit Card anymore, as the Justice Credit Card program has ended, effective January 19, 2021, and is not open to new applications.

If you’re looking for similar clothing store credit cards, the Old Navy Credit Card is a good alternative. It offers 20% off on your first purchase upon approval. And it earns 5 points per $1 spent at Old Navy, Gap, Banana Republic and Athleta, and 1 point per $1 spent on all purchases. The Old Navy Credit Card requires a credit score of 700, at a minimum. That means applicants need good credit or better to get approved.

Ultimately, you can check out our editors’ picks for the best store cards and find out which one best suits your needs.

How do I apply for the Justice Credit Card?

Bogdan Roberts, Credit Cards Moderator

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