What are the easiest store credit cards to get with bad credit?

The easiest store credit card to get with bad credit is the Net First Platinum card. It guarantees approval for applicants with bad credit or no credit history, provided the applicant is at least 18 years old and their income exceeds their bills by at least $150 per month.

It’s worth noting that while the Net First Platinum has a $0 annual fee and allows you to make purchases on the Horizon Outlet website, it does not report your account activity to the credit bureaus on a monthly basis. To build credit with a store credit card for bad credit, you should consider a credit card from a major bank that reports to the credit bureaus.

Easy Store Credit Cards to Get with Bad Credit

Benefits of Store Credit Cards for Bad Credit

Can help you build credit.

Store credit cards for bad credit generally report to the major credit bureaus each month. When used responsibly, they can help you rebuild a positive payment history and improve your credit score over time. Making on-time payments is one of the most important factors in building and maintaining a solid credit score.

Easy to qualify for.

Store credit cards for bad credit have more lenient approval requirements than most general-purpose credit cards as well as most other store credit cards, making them accessible for people with limited or bad credit. Store cards typically require fair credit at a minimum.

Access to exclusive store discounts and offers.

Many store cards offer special cardholder perks, such as sign-up discounts, ongoing rewards, and free shipping.

Potential for financing deals.

Some store cards may offer fixed-rate financing options or even a 0% APR on purchases, but those offers are typically limited to catalog purchases and “Buy Now Pay Later” plans. Some retailers might also have dangerous deferred interest financing promotions.

Finally, it’s important to remember that there aren’t many store credit card options for people with bad credit to choose from. If you want a broader selection, check out WalletHub’s picks for the best credit cards for bad credit overall.

Yeah, it’s ok - just try to improve your score as quickly as possible and graduate to something better.

I got Fingerhut. It was pretty easy, but was that a mistake? Should I have gotten Amazon instead?

I’d go with the Amazon card if I were you. Sure, it’s secured, but it’s meant for bad credit and you can buy pretty much anything with it. Sounds better than Fingerhut to me.

Amazon secured card is good. You really should be looking for a secured card anyway. Higher approval odds.

Stores push these cards HARD because they make money off them. That means they'll often approve borderline cases. 

Kohl's and Ulta are easy from my experience but only make sense if you shop there constantly. 

Otherwise, stick with secured cards to rebuild properly.