15 Easiest Store Credit Cards to Get (& Which to Avoid)

Customer handing a store credit card to the cashier at a store

Disclosure: FQF is reader-supported. When you buy/reserve/sign up through a link, we may earn a commission. Editorial Policy

Store credit cards allow you to earn rewards at places where you regularly shop.

Below, we list the store credit cards that are easiest to obtain, including information about each card’s perks, fees, annual percentage rate (APR), approval time, and more so you can find the best option to fit your needs.

What We Recommend

The best store credit card for you will vary depending on your qualifications as an applicant, where you shop the most, and which perks you prefer.

However, Amazon’s credit cards, the Target RedCard, and the Walmart Rewards Card are the best overall options.

All three of these retailers will consider applicants with fair credit.

They also offer both closed-loop credit cards (which you can only use at that store) and open-loop credit cards (which you can use at other stores).

This can make it easier to get approved. If you qualify, you’ll get the open-loop card, but if you don’t, you may still be eligible for the store card.

Of these cards, the Amazon Rewards Visa Signature card has the lowest APR, so it earns the top spot on our list.

Be aware that using credit can negatively impact your credit score, especially if you have a weak or minimal credit history.

If you miss payments or default on the card, your creditor will report these issues to the major credit bureaus.

Be sure to note the APR and fees of any cards you consider, so you can factor them into your budget when making purchases.

In some instances, it makes more financial sense to save up for your purchase and buy it in full rather than paying the total item price plus interest.

Comparison Table

You can easily compare the cards on our list in the table below.

Use the arrows at the top of each column to sort the table.

You can also select the store name or scroll down to our list below for more details on each card.

Card Open or Closed Loop? APR (Approx.)
Amazon Rewards Visa Signature CardOpen 16% to 24%
Target RedCardBoth 24%
Walmart Rewards CardBoth 18% to 27%
Amazon Store CardClosed 27%
Kohl's CardClosed 27%
Belk Credit CardBoth 26%
Boscov's Credit CardClosed 27%
JCPenney Credit CardClosed 27%
Lowe's Advantage CardClosed 27%
Kay Jewelers Credit CardClosed 30%
TJX Rewards Credit CardBoth 28%
Nordstrom Credit CardBoth 28%
Macy's Credit CardBoth 29%
Sears CardBoth 27%
Overstock Store Credit CardClosed 28%
Table Plugin

The List

We’ve ordered the list below starting with the best overall options based on approval time, APR, credit requirement, fees, and perks.

“Fair” refers to a credit score around 580 to 669, and “Good” ranges from around 670 to 739.[1]

Note that instant approval isn’t available for all applicants. You must be of legal age in your state to apply (usually 18 years or older) and must provide personal information like your address, income level, and Social Security number.

Amazon logo

Amazon Rewards Visa Signature Card

  • Open or closed loop? Open[2]
  • Credit requirement: Fair to Good[3]
  • Offers instant approval? Yes[4]
  • Perks:
    • 3% back on Amazon and Whole Foods Market purchases[2]
    • 1% to 2% cash back on other purchases[2]
    • Travel benefits, including baggage delay insurance, accident insurance, and emergency assistance[2]
  • APR: About 16% to 24%[5]
  • Fees: Up to $39 for late and returned payments[5]
  • Apply

Walmart logo

Walmart Rewards Card

  • Open or closed loop? Both; the Walmart Rewards Card is closed-loop, and the Capital One Walmart Rewards Card (which has higher approval requirements) is valid anywhere that takes Mastercard.[6]
  • Credit requirement: Fair for the Walmart Rewards Card; Good or Excellent for the Capital One Walmart Rewards Card[7]
  • Offers instant approval? Yes[7]
  • Perks:
    • Up to 5% cash back[8]
    • $0 fraud liability and Card Lock services for lost, misplaced, and stolen cards[8]
  • APR: About 18% to 27%[7]
  • Fees: Up to $39 for late payments[7]
  • Apply

Target logo

Target RedCard

  • Open or closed loop? Both; offers a store credit card and a Mastercard[9]
  • Credit requirement: Fair[10]
  • Offers instant approval? Yes[10]
  • Perks:
    • 5% off at Target and Target.com[9]
    • Free shipping on most purchases[9]
    • Exclusive cardholder savings and special items[9]
    • Extended return and exchange period[9]
  • APR: About 24%[11]
  • Fees: Late fees up to $41 and returned payment fees up to $30[11]
  • Apply

Amazon logo

Amazon Store Card

  • Open or closed loop? Closed[12]
  • Credit requirement: Fair[13]
  • Offers instant approval? Yes[13]
  • Perks:
    • No-interest and promotional financing options[12]
    • 5% back on purchases for Prime members[12]
    • $60 Amazon gift card upon approval[12]
  • APR: About 27%[14]
  • Fees: Up to $40 for late payments[14]
  • Apply

Kohls logo

Kohl’s Card

  • Open or closed loop? Closed[15]
  • Credit requirement: Fair[16]
  • Offers instant approval? Yes[16]
  • Perks:
    • 35% off your first purchase with the Kohl’s Card[15]
    • Cardholder anniversary and birthday offers[15]
    • Free shipping events[15]
  • APR: About 27%[17]
  • Fees: Up to $40 for late and returned payments[17]
  • Apply

Belk logo

Belk Credit Card

  • Open or closed loop? Offers both a store credit card and a Mastercard[18]
  • Credit requirement: Fair[19]
  • Offers instant approval? Yes[19]
  • Perks:
    • 20% off most purchases at Belk[20]
    • $10 Belk Rewards bonus[20]
    • Up to 5% back in rewards[20]
  • APR: About 26%[21]
  • Fees: Up to $40 for late payments[21]
  • Apply

JCPenney logo

JCPenney Credit Card

  • Open or closed loop? Closed[22]
  • Credit requirement: Fair[22]
  • Offers instant approval? Yes[23]
  • Perks:
    • Savings of 5% to 15% off on purchases like electronics, apparel, jewelry, and home goods[22]
    • Special financing offers on furniture, mattresses, jewelry, and other high-value items[22]
    • Earn one reward point for every dollar you spend[22]
  • APR: About 27%[24]
  • Fees: Up to $41 for late payments[24]
  • Apply

Boscovs logo

Boscov’s Credit Card

  • Open or closed loop? Closed[25]
  • Credit requirement: Fair[26]
  • Offers instant approval? Yes[26]
  • Perks:
    • Earn two reward points for every dollar you spend (four points per dollar on cosmetics and fragrances)[25]
    • Exclusive 15% off savings events[25]
    • Birthday and holiday bonus offers[25]
    • Special financing offers in some departments[25]
  • APR: About 27%[27]
  • Fees: Up to $41 for late payments and $25 for returned payments[27]
  • Apply

Lowes logo

Lowe’s Advantage Card

  • Open or closed loop? Closed[28]
  • Credit requirement: Fair[29]
  • Offers instant approval? Yes[29]
  • Perks:
    • 5% off most Lowe’s purchase[28]
    • Six-month special financing offers[28]
    • 84-month fixed payment plans for purchases over $2,000[28]
  • APR: About 27%[30]
  • Fees: Late fees up to $41[30]
  • Apply

TJX Rewards logo

TJX Rewards Credit Card

  • Open or closed loop? Both; you may receive a store card for use only at TJX companies (T.J. Maxx, Marshalls, Home Goods, Homesense, & Sierra Trading Post) or a Mastercard.[31]
  • Credit requirement: Good[32]
  • Offers instant approval? Yes[32]
  • Perks:
    • 5% back in rewards at TJX stores[31]
    • Access to private shopping events[31]
  • APR: About 28%[33]
  • Fees: Up to $38 for late payments[33]
  • Apply

Nordstrom logo

Nordstrom Credit Card

  • Open or closed loop? Offers both a store card and a Visa card[34]
  • Credit requirement: Good[35]
  • Offers instant approval? Yes[35]
  • Perks:
    • Earn at least two points per dollar you spend[34]
    • Insider status in The Nordy Club[34]
  • APR: About 28%[36]
  • Fees: Up to $40 for late payments and $29 for returned payments[36]
  • Apply

Macys logo

Macy’s Credit Card

  • Open or closed loop? Offers both a closed-loop store card and an American Express card[37]
  • Credit requirement: Good[38]
  • Offers instant approval? Yes[38]
  • Perks:
    • 20% off same-day and next-day purchases (with a maximum savings of $100)[37]
    • 2% to 5% back in rewards[39]
  • APR: About 29%[40]
  • Fees: Up to $41 for late and returned payments[40]
  • Apply

Sears logo

Sears Card

  • Open or closed loop? Both; offers a store card and a Mastercard[41]
  • Credit requirement: Good[42]
  • Offers instant approval? Yes[41]
  • Perks:
    • Exclusive events for cardholders[43]
    • Special financing promotions[44]
    • Mastercard members can earn points on purchases at gas stations, restaurants, and stores[43]
  • APR: About 27%[45]
  • Fees: Up to $40 for late payments[45]
  • Apply

Kay Jewelers logo

Kay Jewelers Credit Card

  • Open or closed loop? Closed[46]
  • Credit requirement: Fair[47]
  • Offers instant approval? Yes[46]
  • Perks:
    • Exclusive cardholder offers and birthday gift[48]
    • Special financing offers[48]
  • APR: About 30%[49]
  • Fees: Up to $41 for late and returned payments[49]
  • Apply

Overstock logo

Overstock Store Credit Card

  • Open or closed loop? Closed[50]
  • Credit requirement: Good[51]
  • Offers instant approval? Yes[52]
  • Perks:
    • $30 in rewards after your first purchase of over $300[50]
    • Up to 24 months special financing[50]
    • Cardholder-only discounts[50]
  • APR: About 28%[53]
  • Fees: Up to $41 for late and returned payments[53]
  • Apply

For more easy-approval credit card options, see our list of instant approval credit cards.

  1. https://www.experian.com/blogs/ask-experian/what-is-a-fair-credit-score/[]
  2. https://www.amazon.com/Amazon-Rewards-Visa-Signature-Card/dp/B007URFTYI[][][][]
  3. Chase customer service (800) 935-9935[]
  4. https://www.amazon.com/gp/browse.html/?node=16070398011[]
  5. https://applynow.chase.com/FlexAppWeb/pricing.do?card=G88R&page_type=appterms[][]
  6. https://www.walmart.com/cp/walmart-credit-card/632402#cp-center-module-13[]
  7. https://www.capitalone.com/credit-cards/walmart-rewards/[][][][]
  8. https://www.walmart.com/cp/walmart-credit-card/632402[][]
  9. https://www.target.com/redcard/about[][][][][]
  10. Target RedCard customer service (800) 424-6888[][]
  11. https://www.target.com/c/redcard-target-credit-card-rates-fees/-/N-4tgiz[][]
  12. https://www.amazon.com/gp/cobrandcard/marketing.html/ref=as_li_ss_tl?pr=conplcc&inc=def&place=help&linkCode=ll2&tag=firsquarfina-20&linkId=9e29eaf9e5f3cd518125cb6e9aaaca12&language=en_US[][][][]
  13. Synchrony Bank customer service (866) 634-8380[][]
  14. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e084704.pdf[][]
  15. https://www.kohls.com/sale-event/my-kohls-charge.jsp?icid=benefitskccfooter[][][][]
  16. Kohl’s customer service (855) 564-5748[][]
  17. https://corporate.kohls.com/Legal/CardmemberAgreement.pdf[][]
  18. https://www.belk.com/belk-credit-card-rewards-benefits.html?sitecode=BEECFL7D0[]
  19. Belk Rewards Credit Card customer service (800) 669-6550[][]
  20. https://www.belk.com/belk-credit-card-rewards-benefits.html[][][]
  21. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e048194.pdf[][]
  22. https://www.jcpenney.com/m/plcc-benefits[][][][][]
  23. JCPenney customer service (800) 322-1189[]
  24. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e042839.pdf[][]
  25. https://www.boscovs.com/boscovs-credit-card[][][][][]
  26. Boscov’s Credit Card customer service (844) 271-2778[][]
  27. https://www.boscovs.com/boscovs-credit-card-apply[][]
  28. https://www.lowes.com/l/Credit/consumer-credit-center.html[][][][]
  29. Lowe’s customer service (800) 445-6937[][]
  30. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e030995.pdf[][]
  31. https://tjmaxx.tjx.com/store/jump/topic/TJX-Rewards-Credit-Card/2400012[][][]
  32. T.J. Maxx customer service (800) 926-6299[][]
  33. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e044647.pdf[][]
  34. https://www.nordstrom.com/creditcard/entry?cc=AA1006[][][]
  35. Nordstrom customer service (888) 246-8720[][]
  36. https://www.nordstrom.com/creditcard/static/terms/Nordstrom_Credit_Card_Agreement.pdf[][]
  37. https://www.macys.com/my-credit/gateway/guest[][]
  38. Macy’s credit customer service (888) 257-6757[][]
  39. https://www.macys.com/p/credit-service/learn-and-apply/?lid=learn_more&cm_sp=macys_account-_-macys_credit_card-_-apply_and_learn&acquisitionOrigin=GuestGatewayLearnMore[]
  40. https://www.macys.com/dyn_img/banners/Macys_American_Express_Card_Agreement.pdf[][]
  41. https://www.sears.com/universalprofile/ApplyCitiSearsCard?upid=3[][]
  42. Sears Card customer service (800) 917-7700[]
  43. https://www.sears.com/en_us/hybrid/citi-card-apply-now.html[][]
  44. https://www.sears.com/en_us/dap/sears-credit-offers-members.html[]
  45. https://citiretailservices.citibankonline.com/CRS/acq/apply/fetchPdf.action?sc=4162&langId=EN[][]
  46. https://www.kay.com/payments[][]
  47. Kay Jewelers customer service (800) 527-8029[]
  48. https://www.kay.com/credit-landing[][]
  49. https://d.comenity.net/kay/pub/requestCca/requestCca.xhtml[][]
  50. https://www.overstock.com/storecard[][][][]
  51. Overstock Store Credit card customer service (855) 810-2546[]
  52. https://help.overstock.com/help/s/article/Overstock-Store-Credit-Card[]
  53. https://c.comenity.net/overstock/common/Legal/schumerbox.xhtml[][]

Leave a Reply

Your email address will not be published. Required fields are marked *