Maria Adams, Credit Cards Moderator
@m_adams
The best store credit card for no credit is the Montgomery Ward Credit Account because it is easy to get with no credit or even bad credit, and it has a $0 annual fee. The card doesn’t charge one-time fees or monthly fees, either. Just keep in mind that you can only use it to make purchases from Montgomery Ward.
Most store credit cards require fair credit or better for approval. But there are, however, a number of co-branded cards for no credit.
Best Store Credit Cards for No Credit in 2025
If you can’t find a suitable store credit card for no credit, consider a normal credit card designed for people with limited or no credit history.
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Kevin Richardson, Member
@krich_business
Check to see if you’re preapproved at your favorite store. If that doesn’t work, get the Amazon Secured Card.
Lily CC, Member
@lily_camp
You’re better off using a card like Petal 2 Visa to build up to fair credit. Then you can get your favorite store’s card.
People also ask
What's the easiest credit card to get with no credit?
The opensky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit history. There's no credit check, so approval is almost guaranteed if you're at least 18 years old and can afford the $300+ refundable security deposit, along with the monthly bill payments.
Easiest Credit Cards to Get with No Credit
One of the easiest unsecured credit cards to get with no credit or limited credit history is the Petal® 2 Visa® Credit Card. It has a $0 annual fee, doesn't require a security deposit, and rewards you with 1 - 1.5% cash back on purchases. Keep in mind that easy approval does not mean guaranteed approval.
At the end of the day,...
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 are the best department store credit cards for bad credit with instant approval?
One of the best department store credit cards for bad credit with instant approval is the Montgomery Ward Credit Account because it has a $0 annual fee and is available to people with bad credit scores. Montgomery Ward even advertises that your application will be reviewed "instantly."
Plus, if you are not approved for a credit account initially, Montgomery Ward provides flexible down payment options, and you might qualify for the credit by making just a small...
read full answer by Ryan P Page, Staff WriterDid we answer your question?
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