What are the easiest store credit cards for a consumer to qualify for? These days, almost every major store offers its own credit card, complete with perks and cardholder benefits. Having a store credit card can be a great way to earn rewards at the places where you regularly shop. Among the many store credit cards on the market, how can a consumer determine which ones are the easiest to qualify for, and which ones are more difficult? Many factors go into discovering store credit cards that are easy to get approved for: how much information must be supplied in the application, credit history requirements, and approval times to name a few. In this article, we provide a list of store credit cards sorted into two simple categories: “easy to get” or “difficult to get.” We’ve included vital information about each card including annual fees, APR, approval times, perks, and much more. Whether you’re looking for easy department store credit cards to get or for a different type of store — we have you covered.

Included in this Article:

  • Easiest Store Credit Cards to Get by Store Type

  • Most Difficult Store Credit Cards to Get by Store Type (In Case You Want to Avoid the Hassle)

Easiest Store Credit Cards to Get (Sorted by Store Type)

Many stores have very simple and relatively quick online applications for credit cards. While it will take some time to go through the application process, all of the companies on our “easy to get” list will provide instant approval while waiting for successful credit checks. Most of these companies also have relatively low thresholds for credit requirements, meaning that customers with less than stellar credit histories are still likely to be approved (unless noted otherwise). Here we list some credit cards that will provide instant approval for immediate use.

Easy to Get Store Credit Cards from Online Retailers

Overstock

  • Account Type: Overstock credit card, for use on Overstock.com only
  • Restrictions: Applicants must be at least 18 years of age and be a US resident
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late and returned payments
  • Annual Percentage Rate: 27.24%
  • How to Apply: Users can only apply online. A user account is required.
  • Information Required: Social Security number, annual income
  • Approval Process: Instant approval is possible (subject to credit approval)
  • Perks: 10% off first purchase using card, up to 24 months special financing available
  • Read more about the Overstock credit card here

Amazon

  • Account Type: Amazon credit card, for use on Amazon.com only
  • Restrictions: Applicants must be US residents, and be at least 18 years of age
  • Annual Fee: None
  • Penalty Fees: Up to $35 for late and returned payments
  • Annual Percentage Rate: 26.24%
  • How to Apply: Users can only apply online
  • Information Required: Social Security number
  • Approval Process: Instant approval is possible in as little as 30 seconds and the card can be used immediately, with a physical card coming in 7-10 business days. If not instantly approved, approval may take 2-4 weeks based on credit checks
  • Perks: 5% back on all Amazon.com purchases or promotional financing (for orders over $149)
  • Read more about Amazon credit cards here

Easy to Get Credit Cards from Department Stores

Kohl’s

  • Account Type: Kohl’s charge card, for use at Kohl’s only
  • Restrictions: Applicants must be at least 18 years of age
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late and returned payments
  • Annual Percentage Rate: 24.24%
  • How to Apply: Customers can apply in store or online
  • Information Required: Social Security Number, annual income
  • Approval Process: Approval is contingent on credit history, but bad credit is accepted
  • Perks: 12 special offers every year, 18 offers if you spend $600 on your card and become a Most Valued Customer
  • Read more about the Kohl’s credit card here 

Macy’s

  • Account Type: Credit card, for use at Macy’s only
  • Restrictions: Subject to credit approval
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late and return payments
  • Annual Percentage Rate: 25.49%
  • How to Apply: Customers can apply online
  • Information Required: Monthly mortgage payment, annual income, residential status, Social Security number
  • Approval Time: Instant approval for those with good to excellent credit. A temporary card is given to you upon in-store application for use that day
  • Perks: Special savings days and additional percentage off in-store when using Macy’s card. Offers and payment options kept on account for easy access
  • Read more about the Macy’s credit card here 

Target

  • Account Type: Debit or credit card, for use at Target only
  • Restrictions: Applicants must be 18 years of age and have a United States address and US-based checking account.
  • Annual Fee: None
  • Penalty Fees: Up to $38 for late payments, up to $27 for returned payment
  • Annual Percentage Rate: 23.15%
  • How to Apply: Customers can apply by mail, online, or in store
  • Information Required: Social Security Number, Driver’s license, military ID or state ID number, annual salary, checking account and bank routing numbers
  • Approval Time: Instant approval is available for qualified customers, but final approval is contingent upon credit check. Good credit is not required
  • Perks: 5% off every day, free shipping on most orders, 30 extra days for most returns
  • Read more about the Target credit card here 

Walmart

  • Account Type: Two types of cards are available; the Walmart MasterCard can be used anywhere MasterCard is accepted, while the Walmart card can only be used in Walmart
  • Restrictions: Subject to credit approval
  • Annual Fee: None
  • Penalty Fees: Up to $35 for late payments
  • Annual Percentage Rate: 23.15%
  • How to Apply: Customers can apply in the stores at any register or jewelry kiosk, or apply online
  • Information Required: Annual income, residential status, Social Security number
  • Approval Time: Approval is contingent upon good credit. If opening the account in store, a temporary card is provided for use for 24 hours only. The temporary card is only good for the store in which the application was submitted
  • Perks: Save 3% on Walmart.com, save 2% on Murphy USA and Walmart gas, save 1% at Walmart and anywhere the card is accepted
  • Read more about the Walmart credit card here

Easy to Get Credit Cards from Jewelry Stores

Kay

  • Account Type: Consumer credit card, for use at Kay only
  • Restrictions: Applicants must be 18 years of age
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late and returned payments
  • Annual Percentage Rate: 17% – 26.99% depending on state
  • How to Apply: Apply online
  • Information Required: Social Security number, residential status and mortgage payment, annual income, personal references
  • Approval Process: Instant approval for qualified customers. The card will be received after 1-2 weeks. This card is geared toward customers with lower credit scores
  • Perks: None.
  • Read more about the Kay credit card here

Easy to Get Credit Cards from Home Improvement Stores

Lowe’s

  • Account Type: Consumer credit card, for use at Lowe’s only
  • Restrictions: Applicants must be at least 18 years of age
  • Annual Fee: None
  • Penalty Fees: Up to $38 for late payments
  • Annual Percentage Rate: 26.99%
  • How to Apply: Customers can apply in store or online
  • Information Required: Social Security number, annual net income, residential history
  • Approval Process: Instant approval is possible in as little as 30 seconds and the card can be used immediately, with a physical card coming in 7-10 business days. If not instantly approved, approval may take 2-4 weeks based on credit checks
  • Perks: 5% off on all purchases or up to 18 months special financing on qualifying purchases
  • Read more about the Lowe’s credit card here 

Difficult to Get Store Credit Cards (Sorted by Store Type)

While the stores on the “difficult to get” list also offer online applications, these are credit cards that will not provide instant approval and instead wait for a credit report before approving customers. Oftentimes these cards require stronger credit history than the instant approval credit cards. If you don’t have a credit score that falls within the good to excellent range (roughly 680 or above), you may find it more difficult to obtain these credit cards. The process for applying is typically the same as the “easy to get” cards — but it will take a little longer before you can start buying with the card.

Difficult to Get Credit Cards from Jewelry Stores

Zales

  • Account Type: Consumer credit card, for use at Zales only
  • Restrictions: Applicants must be at least 18 years of age and a US resident
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late and returned payments
  • Annual Percentage Rate: 29.24%
  • How to Apply: Apply online
  • Information Required: Social Security number, annual income
  • Approval Process: Applications are reviewed and applicants contacted by mail within 7 to 10 business days
  • Perks: Exclusive coupons, jewelry inspection and cleaning notifications, $50 off a $200 purchase on cardholder’s birthday, 10% any repair service, free standard shipping, special financing options
  • Read more about the Zales credit card here

Difficult to Get Credit Cards from Home Improvement Stores

Home Depot

  • Account Type: Consumer credit card, for use at Home Depot only
  • Restrictions: Applicants must be at least 18 years of age
  • Annual Fee: None
  • Penalty Fees: Up to $35 for late and returned payments
  • Annual Percentage Rate: 17.99%, 21.99%, 25.99%, 26.99% based on creditworthiness
  • How to Apply: Customers can apply in store or online
  • Information Required: Monthly mortgage payment, annual income, residential status, Social Security number
  • Approval Process: Approval is contingent on creditworthiness and a credit bureau will be contacted before approval is issued
  • Perks: Up to 24-month financing, 1-year hassle-free returns
  • Read more about the Home Depot credit card here

Best Buy

  • Account Type: Consumer credit card, for use at Best Buy only
  • Restrictions: Applicants must be at least 18 years of age
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late and returned payments
  • Annual Percentage Rate: 25.49%
  • How to Apply: Apply online
  • Information Required: Residential status, annual income, Social Security Number
  • Approval Process: Approval is contingent on creditworthiness and a credit bureau will be contacted before approval is issued
  • Perks: 5% back in rewards
  • Read more about the Best Buy credit card here 

Ace

  • Account Type: Visa, can be used at Ace locations and anywhere Visa is accepted
  • Restrictions: Applicants must be US residents
  • Annual Fee: None
  • Penalty Fees: Up to $37 for late payments, up to $35 for returned payments, no penalty for going over limit
  • Annual Percentage Rate: 14.24% to 23.24% based on creditworthiness
  • How to Apply: Customers may apply in store, by phone at 888-325-6190, or online 
  • Information Required: Residential status and mortgage, employment status, income
  • Approval Process: Approval is contingent on creditworthiness and it takes 7-10 business days for new customers to receive the card
  • Perks: 3% Ace rewards points on Ace store purchases, 2% Ace rewards points on gas and grocery purchases, 1% rewards points everywhere else
  • Read more about the Ace Visa credit card here 

Store Credit Cards That Are Easy to Get Approved For: Conclusion

Rewards earned from cards used at your most frequented stores can quickly add up with regular use. Additionally, having a line of credit can sometimes simply be useful. Still, opening a credit card is not a decision to be taken lightly, so make sure you do your research and weigh the benefits and drawbacks before you apply for a new card. It is important to evaluate factors such as annual fees, rates, and penalties against the card-specific perks to determine which store credit card is right for you.

We hope you’ve enjoyed considering these easy approval store cards.

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