8 Preapproval Store Cards to Consider

The practice of preapproving credit cards is more common for major credit card issuers than it is for retail credit cards, but there are a few stores that offer it.

If you’re choosing between several cards, applying for preapproval can help you avoid excessive hard pulls of your credit.

Keep in mind that while prequalification only requires a soft pull of your credit report and will not impact your credit score, your final credit application will still require a hard pull.

Additionally, preapproval is not a guarantee of approval; the issuer may deny your application if it finds disqualifying information after a hard pull of your credit.

We gathered information about credit cards and their preapproval policies by viewing account applications and disclosures, as well as contacting the credit card companies directly to confirm.

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The List

The following store credit cards offer preapproval:

The Home Depot Consumer Credit Card

Credit requirement: Fair
Other qualifications:
- Must be at least 18 years old (21 in Puerto Rico)
- Must have a Social Security number
- Must provide information about your residence status, monthly mortgage or rent payment, and annual net income
- Must submit to a credit check
Terms and fees:
- No annual fee
- Find current APRs and fees in the account terms and conditions at the bottom of the Home Depot Consumer Credit application.
How to request preapproval: Submit the Home Depot Consumer Credit pre-qualification form at the Citi Retail Services website.

IKEA Projekt Credit Card

Credit requirement: Fair
Other qualifications:
- Must be at or over the age of majority in your state
- Must have a street, route, or APO/FPO mailing address
- Must have a valid, government-issued photo ID
- Must have a Social Security number or Individual Tax Identification Number
- Must submit to a credit check
Terms and fees:
- No annual fee
- Find more fee and APR information in the IKEA Projekt Card agreement.
How to request preapproval: Submit the IKEA Projekt pre-qualification form at Comenity’s website.

Jared The Galleria of Jewelry Credit Card

Credit requirement: Fair
Other qualifications:
- Must create or sign in to a Jared.com account
- Must meet the age of majority in your state
- Minimum purchase of $1,000 to $5,000 depending on which special financing offer you choose
- Must make a 20% down payment for 12-month or 18-month special financing
- Must submit to a credit check
Terms and fees:
- No annual fee
- Find more APR and fee information in the Jared The Galleria of Jewelry Credit Card agreement.
How to request preapproval: Select “Get Prequalified Now” on the Jared.com credit card page.

Joss & Main

Credit requirement: Fair
Other qualifications:
- Must meet the legal age of majority in your state
- Must provide a Social Security number or Individual Tax Identification Number
- Must create or sign in to a Joss & Main account
- Must submit to a credit check
Terms and fees:
- No annual fee
- For the current APR and information about other fees, see the Joss & Main cardholder agreement.
How to request preapproval: Select “Find Out Now” under “Do you pre-qualify?” on the Joss & Main credit card page.

Kay Jewelers LONG LIVE LOVE Credit Card

Credit requirement: Fair
Other qualifications:
- Must meet the age of majority in your state
- Must create or sign in to a Kay.com account
- Must provide personal information including your Social Security number
- Must submit to a credit check
Terms and fees:
- No annual fee
- For the current APR and information about other fees, see the Kay Jewelers LONG LIVE LOVE Credit Card cardholder agreement.
How to request preapproval: Select “Get Prequalified Now” on the Kay.com credit card page.

Kohl’s Charge

Credit requirement: Fair
Other qualifications:
- Must be at least 18 years old (19 in Alabama and Nebraska)
- Must provide your Social Security number or other government identification number
- Must provide information about your current income
- Must submit to a credit check
Terms and fees:
- No annual fee
- Find the current APR, late fees, and other fees in the Kohl’s Charge cardmember agreement.
How to request preapproval: Submit the pre-qualification form at Kohls.com.

Tempur-Pedic Credit Card

Credit requirement: Good
Other qualifications:
- Must meet the age of majority in your state
- Must provide your name, street address, financial information, and identification information
- Must submit to a credit check
Terms and fees:
- No annual fee
- The complete terms — including late fees, other fees, and current APR information — are available in the Tempur-Pedic Credit Card agreement.
How to request preapproval: Select the “Check if you Pre-Qualify” button on the Tempur-Pedic Credit Card page.

Wayfair Credit Card

Credit requirement: Fair
Other qualifications:
- Must meet the age of majority in your state
- Must provide your name, address, financial information, and identification information
- Must submit to a credit check
Terms and fees:
- No annual fee
- Find the current APR and more fee information in the Wayfair Credit Card account disclosures.
How to request preapproval: Scroll down to the preapproval section and select “Find Out Now” under “Do you pre-qualify?” on the Wayfair.com credit card page.

For more options aside from store cards, see our list of preapproval credit cards from major issuers.

Store Credit Cards That Don’t Preapprove by Request

The following credit cards do not offer preapproval by request. However, you may receive a pre-screened offer by mail, email, or during check-out.

You may also be able to qualify for some of these credits cards using the shopping cart trick; find more information in our shopping cart trick store list.