The 14 Easiest Store Credit Cards to Get (& Which to Avoid)

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 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 possible APR (starting at 15%), so it earns the top spot on our list.

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

Use the table below to compare the cards on our list. To sort the table, click the arrows at the top of each column. You can click the store name or scroll down to our list below for more details on each card.

Card Open or Closed Loop? Minimum Credit Requirement APR (Approx.) Late Fees
Amazon Rewards Visa Signature Card Open Fair 15% to 23% Up to $39
Target RedCard Both Fair 23% Up to $40
Walmart Rewards Card Both Fair 18% to 27% Up to $39
Amazon Store Card Closed Fair 26% Up to $39
Kohl's Card Closed Fair 25% Up to $38
Belk Credit Card Both Fair 25% Up to $40
Boscov's Credit Card Closed Fair 26% Up to $40
JCPenney Credit Card Closed Fair 26% Up to $39
Lowe's Advantage Card Closed Fair 27% Up to $40
Kay Jewelers Credit Card Closed Fair 30% Up to $40
TJX Rewards Credit Card Both Good 27% Up to $35
Nordstrom Credit Card Both Good 26% Up to $40
Macy's Credit Card Both Good 26% Up to $40
Sears Card Both Good 26% Up to $40
Overstock Store Credit Card Closed Good 27% Up to $40

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 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 15% to 23%[5]
  • Fees: Up to $39 for late and returned payments[5]
  • Apply

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]
  • APR: About 18% to 27%[7]
  • Fees: Up to $39 for late payments[7]
  • Apply

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 23%[11]
  • Fees: Late fees up to $40 and returned payment fees up to $29[11]
  • Apply

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]
  • APR: About 26%[14]
  • Fees: Up to $39 for late payments[14]
  • Apply

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 25%[17]
  • Fees: Up to $38 for late and returned payments[17]
  • Apply

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 25%[21]
  • Fees: Up to $40 for late payments[21]
  • Apply

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 26%[22]
  • Fees: Up to $39 for late payments[22]
  • Apply

Boscov’s Credit Card

  • Open or closed loop? Closed[24]
  • Credit requirement: Fair[25]
  • Offers instant approval? Yes[25]
  • Perks:
    • Exclusive 15% off savings events[24]
    • 15% birthday savings certificate[24]
    • Bonus rewards points for your cardholder anniversary[24]
    • Special financing offers in some departments[24]
  • APR: About 26%[26]
  • Fees: Up to $40 for late payments[26]
  • Apply

Lowe’s Advantage Card

  • Open or closed loop? Closed[27]
  • Credit requirement: Fair[28]
  • Offers instant approval? Yes[28]
  • Perks:
    • 5% off most Lowe’s purchase[27]
    • Six-month special financing offers[27]
    • 84-month fixed payment plans for purchases over $2,000[27]
  • APR: About 27%[29]
  • Fees: Late fees up to $40[29]
  • Apply

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[30]
  • Credit requirement: Good[31]
  • Offers instant approval? Yes[31]
  • Perks:
    • 5% back in rewards at TJX stores[30]
    • Access to private shopping events[30]
  • APR: About 27%[32]
  • Fees: Up to $35 for late payments[32]
  • Apply

Nordstrom Credit Card

  • Open or closed loop? Offers both a store card and a Visa card[33]
  • Credit requirement: Good[34]
  • Offers instant approval? Yes[34]
  • Perks:
    • Earn one to three points per dollar you spend[33]
    • Insider status in The Nordy Club[33]
  • APR: About 26%[35]
  • Fees: Up to $40 for late payments[35]
  • Apply

Macy’s Credit Card

  • Open or closed loop? Offers both a closed-loop store card and an American Express card[36]
  • Credit requirement: Good[37]
  • Offers instant approval? Yes[37]
  • Perks:
    • 20% off same-day and next-day purchases (with a maximum savings of $100)[36]
    • 1% to 5% back in rewards[38]
  • APR: About 26%[39]
  • Fees: Up to $40 for late and returned payments[39]
  • Apply

Sears Card

  • Open or closed loop? Both; offers a store card and a Mastercard[40]
  • Credit requirement: Good[41]
  • Offers instant approval? Yes[40]
  • Perks:
    • Exclusive events for cardholders[42]
    • Special financing promotions[43]
    • Mastercard members can earn points on purchases at gas stations, restaurants, and stores[42]
  • APR: About 26%[44]
  • Fees: Up to $40 for late payments[44]
  • Apply

Kay Jewelers Credit Card

  • Open or closed loop? Closed[45]
  • Credit requirement: Fair[46]
  • Offers instant approval? Yes[45]
  • Perks:
    • $100 off during birthday month and the anniversary month of opening your account[47]
    • Cardholder-only sweepstakes[47]
    • Free shipping and other exclusive cardholder promotions[47]
    • Special financing offers[47]
  • APR: About 30%[48]
  • Fees: Up to $40 for late and returned payments[48]
  • Apply

Overstock Store Credit Card

  • Open or closed loop? Closed[49]
  • Credit requirement: Good[50]
  • Offers instant approval? Yes[51]
  • Perks:
    • $30 in rewards after your first purchase[49]
    • Six to 60 months special financing[49]
    • Cardholder-only discounts[49]
  • APR: About 27%[52]
  • Fees: Up to $40 for late and returned payments[52]
  • 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://www.boscovs.com/shop/CreditCardHome.bos[][][][][]
  25. Boscov’s Credit Card customer service (844) 271-2778[][]
  26. https://www.boscovs.com/shop/creditCardApply.do[][]
  27. https://www.lowes.com/l/Credit/consumer-credit-center.html[][][][]
  28. Lowe’s customer service (800) 445-6937[][]
  29. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e030995.pdf[][]
  30. https://tjmaxx.tjx.com/store/jump/topic/TJX-Rewards-Credit-Card/2400012[][][]
  31. T.J. Maxx customer service (800) 926-6299[][]
  32. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e044647.pdf[][]
  33. https://www.nordstrom.com/creditcard/entry?cc=AA1006[][][]
  34. Nordstrom customer service (888) 246-8720[][]
  35. https://www.nordstrom.com/creditcard/static/terms/Nordstrom_Credit_Card_Agreement.pdf[][]
  36. https://www.macys.com/my-credit/gateway/guest[][]
  37. Macy’s credit customer service (888) 257-6757[][]
  38. https://www.macys.com/p/credit-service/benefits/?acquisitionOrigin=GlbNavFooterBenefits&cm_sp=navigation-_-bottom_nav-_-cardholder_benefits&lid=glbbtmnav_cardholder_benefits-us[]
  39. https://www.macys.com/dyn_img/banners/Macys_American_Express_Card_Agreement.pdf[][]
  40. https://www.sears.com/universalprofile/ApplyCitiSearsCard?upid=3[][]
  41. Sears Card customer service (800) 917-7700[]
  42. https://www.sears.com/en_us/hybrid/citi-card-apply-now.html[][]
  43. https://www.sears.com/en_us/dap/sears-credit-offers-members.html[]
  44. https://citiretailservices.citibankonline.com/CRS/acq/apply/fetchPdf.action?sc=4162&langId=EN[][]
  45. https://www.kay.com/payments[][]
  46. Kay Jewelers customer service (800) 527-8029[]
  47. https://www.kay.com/credit-landing[][][][]
  48. https://d.comenity.net/kay/pub/requestCca/requestCca.xhtml[][]
  49. https://www.overstock.com/storecard[][][][]
  50. Overstock Store Credit card customer service (855) 810-2546[]
  51. https://help.overstock.com/help/s/article/Overstock-Store-Credit-Card[]
  52. https://c.comenity.net/overstock/common/Legal/schumerbox.xhtml[][]