Chip Lupo, Credit Card Writer
@CLoop
One of the best store credit cards for fair credit is the Target Credit Card because it gives cardholders 5% back on Target purchases and allows 30 extra days for returns. It also offers free 2-day shipping on Target.com purchases, has a $0 annual fee, and is available to people with fair credit.
Most store credit cards actually require fair credit at a minimum, which means a credit score of 640+ should give you good odds of getting approved for your favorite store’s card.
Best Store Credit Cards for Fair Credit
It’s worth noting that you can only use store credit cards at the merchants they’re affiliated with. On the other hand, co-branded credit cards, which are on a major card network and can be used pretty much anywhere, require at least good credit (a score of 700+). One example is the OnePay Walmart Credit Card.
If you still need help deciding on the right card, check out our editors' complete picks for the best store credit cards available right now.
Popular Credit Cards for Shopping from Our Partners
Jack Bennett, Member
@jbennett_23
Make a list of your favorite stores. If one of them has a credit card with no annual fee and 5% back on purchases or 20% back on your first purchase, go for it. Store cards all accept fair credit.
Jason Watson, Member
@jwatson_consult
If you shop at Target regularly, definitely get the Target Credit Card. You get 5% off every purchase, free 2-day shipping, and an extra 30 days for returns. Plus, it’s easier to qualify for than a general rewards card. Just remember, it only works at Target, so don’t expect to use it anywhere else.
Hannah Gray, Member
@hannah_gray_att
Only go with Amazon if you have Prime. Otherwise, no rewards.
Sarah Johnson, Member
@sarahj_sun
Target, Amazon and Kohl’s have great store cards for fair credit. Almost all store cards are for fair credit though so just pick your favorite store!
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 store credit card can I get with a 650 credit score?
The best store credit card you can get with a 650 credit score is the Target Credit Card, which has a $0 annual fee and offers a 5% discount on Target purchases. It is available to people with fair credit and can only be used at Target and Target.com.
With a 650 credit score, you actually have a shot at qualifying for most store cards. Below, you can see some of the best options.
Store Cards...
read full answer by Chip Lupo, Credit Card WriterWhat is the easiest credit card to get with fair credit?
The Petal® 2 Visa® Credit Card is one of the easiest credit cards to get with fair credit because you could get approved even with limited credit history. This card also has a $0 annual fee, and it rewards you with 1 - 1.5% cash back on purchases.
Easy Credit Cards to Get with Fair Credit
- Overall: Petal® 2 Visa® Credit Card
- Cash Rewards: Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Credit Building: Capital One Platinum Credit Card (see details, rates & fees)
- Secured Card: Bank of America® Unlimited Cash Rewards Secured Credit Card
- No Credit Check: opensky® Plus Secured Visa® Credit Card
- No Deposit: OneMain Financial BrightWay® Card
The easiest type...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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