Theresa Chalfant, Writer
@theresa_chalfant
One of the best second chance retail credit cards is the Montgomery Ward Credit Account. This unsecured store credit card account only works for Montgomery Ward purchases, though it is available to people with bad credit, it reports to the credit bureaus on a monthly basis, and it has a $0 annual fee.
Second Chance Retail Credit Cards
- No Annual Fee: Montgomery Ward Credit AccountLearn MoreLearn More
- No Annual Fee: Montgomery Ward Credit AccountLearn MoreLearn Moreon issuer's website
- No Annual Fee: Montgomery Ward Credit AccountLearn MoreLearn More
- Instant Decision: Fingerhut Credit AccountLearn MoreLearn More
- Instant Decision: Fingerhut Credit AccountLearn MoreLearn Moreon issuer's website
- Instant Decision: Fingerhut Credit AccountLearn MoreLearn More
- Best Secured Card: Amazon Secured Credit CardLearn MoreLearn More
- Best Secured Card: Amazon Secured Credit CardLearn MoreLearn Moreon issuer's website
- Best Secured Card: Amazon Secured Credit CardLearn MoreLearn More
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You can get any of the credit cards listed above with bad credit or limited credit history, and each one offers a $0 annual fee. These cards can also help you build your credit, since they report to the major credit bureaus: TransUnion, Experian and Equifax on a monthly basis.
If you’re not set on retail cards, you can also check out our editors’ latest picks for the best second chance credit cards on the market.
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:
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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 store credit cards for no credit have instant approval?
One store card for no credit that has instant approval is the Fingerhut Credit Account, because it is easy to get and has a $0 annual fee. You can also start using the card immediately after being approved.
Unfortunately, there are not a lot of store cards for no credit that have instant approval, since the majority of the store credit cards on the market require at least fair credit for approval. If you have no...
read full answer by John Miller, Credit Cards ModeratorWhat are the best instant use store credit cards?
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
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