How can I get pre approved store cards?

The easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Walmart® Store Card. None of these cards require more than “fair” credit for approval, and they all have $0 annual fees. Some applicants might even be able to get approved with bad credit.… read full answer

• The Fingerhut Credit Account is the easiest store credit card to get because you can get approved with bad credit. Things you can buy with the Fingerhut Credit Account include clothing, shoes, electronics, garden supplies, tools, and more. And this card will build your credit - it reports to major credit bureaus monthly.
• The Montgomery Ward Credit Account is available to people with bad. This credit card doesn’t report to credit bureaus, so it won’t build your credit. But it does allow you to buy Montgomery Ward merchandise at special discounts. And there’s opportunity for a credit limit increase.
• The Walmart® Store Card is available for people with fair credit or better, but reports online suggest you can get approved with bad credit. It gives 5 points / $1 at Walmart.com and in-app, including grocery pickup and delivery, and 2 points / $1 at Walmart stores.

Although store credit cards usually can’t be used anywhere except for the store they’re branded with, they are a great way to save on some of your biggest purchases. They’re also much easier to get than most rewards cards. And if the card reports to the major credit bureaus every month, you can build up your credit score.

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Fingerhut Credit Account. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

They don’t have a whole lot of competition, however. There are very few store credit cards for bad credit available right now. Nearly all store cards require at least fair credit for approval, according to WalletHub’s database of 1,500+ credit card offers. But there are exceptions from time to time.… read full answer

There are other types of cards to consider, too. They include unsecured credit cards for people with bad credit as well as secured credit cards, which give you the highest approval odds. Some even offer rewards and are affiliated with a popular brand. In other words, they’re like store credit cards for bad credit, but you can use them anywhere. You can check out our top picks below.

There aren’t many store credit cards for people bad credit to choose from right now, so identifying the best of the bunch isn’t very difficult. Overall, the best store credit card for bad credit is the Fingerhut Credit Account because you can get it with a poor credit score and there’s no annual fee. Plus, the Fingerhut Credit Account reports to the credit bureaus every month, which will allow you to build credit if you pay your bills on time.

Fingerhut is an online retailer that sells a broad array of goods from major brands, often at a discount, and allows you to pay for them in monthly installments. You can buy TVs and computers for up to 25% off, for example.

You don’t want to limit yourself unnecessarily, however. There are plenty of other credit cards for bad credit that could provide even better perks with popular retailers. So, make sure to keep the following pointers in mind when shopping for the best credit card for your needs.

3 Things to Remember When Looking for Store Credit Cards with Bad Credit

1. Store credit cards don’t give the highest approval odds. Nearly all store credit cards require at least fair credit for approval.
2. Store credit cards and co-branded credit cards are different. A store credit card works at no more than a few retailers, but usually just one. A co-branded credit card is affiliated with a retailer or other company but can be used anywhere Visa, Mastercard, Discover or American Express is accepted.
3. Secured cards are best for credit repair. Store credit cards for poor credit are barely a thing. Secured credit cards, on the other hand, were made to help people with bad credit rebuild.

If you’re interested in more advice, sign up for a free WalletHub account. You can check your credit score for free, with daily updates, and receive personalized credit-improvement tips and recommendations for credit cards with high approval odds.

The easiest furniture store credit card to get is the Fingerhut Credit Account because you can potentially have bad credit and still get approved for this card. While Fingerhut isn't only a furniture store, its online-only store has a furniture section, which includes bedroom sets, dining tables, couches, and more.

For a physical furniture store credit card, the easiest to get is the Synchrony HOME Credit Card because Synchrony credit cards generally require only fair credit for approval. Unlike the Fingerhut Credit Account, you can use the Synchrony HOME Credit Card at over a million furniture and home stores across the U.S., including Conn's Home Plus, Mattress Firm, and CarpetOne. So you'll have a better chance of finding what you're looking for. The Synchrony HOME Credit Card also has promotional financing offers available, generally for 6 months of deferred interest on purchases of $299 or more, but those offers can be for up to 60 months. Just be sure to pay your monthly bill on time and pay off your balance before the promotional period is over. If you don't, you'll owe all the interest you would have paid otherwise.