The best store credit card for no credit is the Fingerhut Credit Account because it has easy approval and a $0 annual fee. There are no one-time fees or monthly fees, either. But even though the Fingerhut Credit Account is an inexpensive store credit card for people with no credit or bad credit, there are limitations. You can only use it to make Fingerhut purchases. And while Fingerhut is as an online retailer that sells a wide range of products similar to what you’d find in a department store, it doesn’t have everything. You’ll also want to pay your balance in full every month because there’s a super high APR.
Most store credit cards require fair credit or better for approval. That means you need a credit score of 640 or higher. There are, however, a number of co-branded cards for no credit. They’re affiliated with a particular store or company but can be used anywhere.
Here are the best store credit cards for no credit:
Fingerhut Credit Card: $0 annual fee. No monthly or one-time fees. Reports to all three major credit bureaus. Can only be used at Fingerhut.
Aeromexico Secured Card: 3,500 bonus miles and a companion certificate worth $99 when you pay the $25 annual fee and make your first purchase. 2 miles per $1 spent on gas and grocery purchases and 1 mile per $1 on all other purchases. Free checked bag on Aeromexico flights. $300 deposit required to open account. Can be used anywhere.
Credit One Bank Official NASCAR Credit Card: $0 - $99 annual fee, based on creditworthiness. 2% cash back on NASCAR.com Superstore purchases and 1% on other purchases. Can be used anywhere.
Harley-Davidson Secured Credit Card: $0 annual fee. 1 H-D rewards point per $1 spent on all purchases. $300 deposit required to open account. Can be used anywhere.
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. Capital One has a couple good ones. The Capital One Platinum card has a $0 annual fee, and the QuicksilverOne Card gives 1.5% cash back on all purchases (with a $39 annual fee). Neither one requires a deposit.
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