The 13 Easiest Store Credit Cards to Get (And Which to Avoid)

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. Many factors go into discovering store credit cards that are easy to get approved for: How much information must be supplied in the application? What are the credit requirements? How long is the approval time? In this article, we provide a list of store credit cards sorted into two simple categories: easiest-to-get cards and hardest-to-get cards. We’ve included information about each card, including its perks, fees, annual percentage rates (APR), approval times, and more. Whether you’re looking for easy department store credit cards to get or a card to a particular store, we’ve got you covered.

In This Article

Easiest-to-Get Store Credit Cards

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). Below, we list some credit cards that will provide instant approval for immediate use.

Be aware, especially if you have a weak or minimal credit history, that using these cards can negatively impact your credit score. If you miss payments or default on the card, your creditor will likely report these issues to the major credit bureaus. To avoid default, be sure to note the APRs and fees we’ve listed here, 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 full item price plus interest. Interest and fees can outweigh the rewards even for cards with highly desirable perks, so use your store cards wisely.

Department Stores

Belk

  • Card information: Belk credit card, for use at Belk only
  • Perks: 15 to 20% off purchases, 3 to 5% back in reward dollars for every purchase, future deals and coupons, receipt-free returns. Numerous tiers of rewards accounts are available.
  • Fees: Up to $38 for late payments
  • Requirements: Must be at least 18 years old and provide phone number, annual net income, length of time at current address, and Social Security number
  • Approval process: Instant approval is possible
  • Source: Belk rewards card benefits
  •  Apply for the Belk Credit Card

JCPenney

  • Card information: Store credit card for use at JCPenney only
  • Perks: 15% off today, 5% off major appliances and Modern Bride Diamond Vault, future coupons, designated no-interest purchase periods
  • Fees: Up to $38 for late payments
  • Requirements: Must be at least 18 years old and provide phone number, annual net income, length of time at current address, and social security number
  • Approval processInstant approval is possible
  • Source: JCP Rewards
  • Apply for the JCPenney Rewards Card

Kohl’s

  • Card information: Store credit card for use at Kohl’s only
  • Perks: 12 special offers every year, 18 offers if you spend $600 on your card and become a Most Valued Customer
  • Fees: Up to $37 for late and returned payments
  • Requirements: Must be at least 18 years old and provide Social Security number and annual income
  • Approval process: Contingent on credit history but bad credit is accepted
  • Source: Kohl’s Credit Card
  • Apply for the Kohl’s Credit Card online or in-store

Macy’s

  • Card information: Store credit card for use at Macy’s only
  • 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
  • Fees: Up to $38 for late and returned payments
  • Requirements: Monthly mortgage payment, annual income, residential status, and social security number
  • Approval process: Instant approval for those with good to excellent credit. A temporary card is given to you upon in-store application for use that day
  • Source: Macy’s Credit Card
  • Apply for the Macy’s Credit Card online

Nordstrom

  • Card information: Both general use cards (Visa) and credit cards specifically for use at Nordstrom are available. Debit cards (drawn from a personal bank account) are available as well.
  • Perks: Earn $20 for $100 spent, future rewards points, enjoy early access to the Nordstrom Anniversary Sale before it opens to the public.
  • Fees: Up to $38 for late payments
  • Requirements: Must be at least 18 years old (19 in Alabama and Nebraska; 21 in Mississippi and Puerto Rico) and provide Social Security number, annual income, and ID number (for a driver’s license, state ID, passport, etc.)
  • Approval process: Instant approval is possible if you have good to excellent credit.
  • Source: Nordstrom Rewards
  • Apply for the Nordstrom Credit Card online

Sears (includes Kmart)

  • Card information: Both general use cards (Mastercard) and credit cards specifically for use at Sears are available
  • Perks: 10% earned in points on card to spend on future purchases, sometimes no interest opportunities, future coupons and discounts
  • Fees: Up to $37 for late payments
  • Requirements: Must be at least 18 years old and provide social security number and annual income
  • Approval process: Instant approval is possible if you have good to excellent credit
  • Source: Your Sears Card, Your Choice
  •  Apply for a Citi Sears Card online

Target

  • Card information: Debit or credit card, for use at Target only
  • Perks: 5% off every day, free shipping on most orders, 30 extra days for most returns
  • Fees: Up to $39 for late payments, up to $27 for returned payment
  • Requirements: Must be at least 18 years old and provide Social Security number, driver’s license, military ID or state ID number, annual salary, and U.S. checking account and bank routing numbers
  • Approval process: Instant approval is available for qualified customers, but final approval is contingent upon a credit check.
  • Source: Target REDCcrd
  • Apply for a Target REDCard online, by mail, or in-store

TJX (TJMaxx, Marshalls, Home Goods, & Sierra Trading Post)

  • Card information: Both general use cards (Mastercard) and credit cards specifically for use at TJX stores are available
  • Perks: 10% off first in-store purchase, $10 in rewards certificates when you spend $200, reward points
  • Fees: Up to $35 for late payments
  • Requirements: Must be at least 18 years old and provide phone number, annual net income, length of time at current address, and Social Security number
  • Approval process: Instant approval is possible if you have good to excellent credit
  • Source: TJX Rewards Card
  • Apply for a TJX Rewards Credit Card online

Walmart

  • Card information: The Capital One Walmart Rewards Card can be used anywhere Mastercard is accepted; the Walmart Rewards Card can be used at Walmart stores and on Walmart.com
  • Perks:
    • Capital One Walmart Rewards Card: Earn 5% back on Walmart.com, 2% back at Walmart stores, 2% back at restaurants and on travel, 1% back on all other purchases
    • Walmart Rewards Card: Earn 5% back on Walmart.com and 2% back at Walmart stores
  • Fees: Up to $38 for late payments
  • Requirements: Must provide annual income, residential status, and social security number
  • Approval process: 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 at the store where the application is submitted
  • Source: Walmart Credit Card
  • Apply for a Walmart Credit Card online or in-store at any register or jewelry kiosk.

Home Improvement Stores

Lowe’s

  • Card information: Consumer credit card for use at Lowe’s only
  • Perks: 5% off on all purchases or up to 12 months special financing on qualifying purchases
  • Fees: Up to $38 for late payments
  • Requirements: Must be at least 18 years old and provide 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.
  • Source: Lowe’s Advantage Card
  • Apply for a Lowe’s Advantage Card online or in-store

Jewelry Stores

Kay Jewelers

  • Card information: Store card for use at Kay Jewelers only
  • Perks: None.
  • Fees: Up to $37 for late and returned payments
  • Requirements: Must be at least 18 years old and provide Social Security number, residential status, mortgage payment, annual income, personal references
  • Approval process: Instant approval for qualified customers., and you will receive the card in the mail after 1-2 weeks. This card is geared toward customers with lower credit scores
  • Source: The Kay Jewelers Credit Card
  • Get pre-approved for a Kay Jewelers Credit Card

Online Retailers

Amazon

  • Card information: Two card options: Amazon Prime Rewards Visa Card (use everywhere) and Amazon Prime Store Card (use for Amazon only)
  • Perks:
    • Amazon Prime Rewards Visa Card: 5% back at Amazon.com, 2% back at restaurants, drug stores, and gas stations, 1% back on all other purchases
    • Amazon Prime Store Card: 5% back on all Amazon.com purchases or promotional financing for the Amazon
  • Fees:
    • Up to $35 for late and returned payments
  • Requirements: Must be at least 18 years old and provide 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
  • Source: Amazon Credit Cards.
  • Apply for an Amazon Credit Card online

Overstock

  • Card information: Store card for use on Overstock.com only
  • Perks: 10% off first purchase using card, up to 24 months special financing available
  • Fees: Up to $38 for late and returned payments
  • Requirements: Must be at least 18 years old and provide social security number and annual income
  • Approval process: Instant approval is possible, subject to credit approval.
  • Source: Overstock Store Credit Card
  • Apply for an Overstock Store Credit Card online

Interested in only seeing instant approval store credit cards? See our article: Instant Approval Department Store Credit Cards (Easiest Ones to Get)

Hardest-to-Get Store Credit Cards

While the stores on the hardest-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 a 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. The same potential downsides of using store cards mentioned in the previous section apply here, too; so, if you are approved, be selective with your purchases and make your monthly payments on time.

Best Buy

  • Card information: Store card  for use at Best Buy only
  • Perks: 5% back in rewards
  • Fees: Up to $38 for late and returned payments
  • Requirements: Must be at least 18 years old and provide residential status, annual income, and Social Security number
  • Approval process: Contingent on creditworthiness and a credit bureau will be contacted before approval is issued
  • Source:  My Best Buy Credit Cards
  • Apply for a Best Buy Credit Card online

The Home Depot

  • Card information: Store card for use at Home Depot only
  • Perks: Up to 24-month financing, one-year hassle-free returns
  • Fees: Up to $35 for late and returned payments
  • Requirements: Must be at least 18 years old and provide monthly mortgage payment, annual income, residential status, and social security number
  • Approval process: Approval is contingent on creditworthiness, and a credit bureau will be contacted before approval is issued.
  • Source: Home Depot Credit Card Services
  • Apply for a Home Depot Consumer Credit Card online

Zales

  • Card information: Consumer credit card, for use at Zales only
  • 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
  • Fees: Up to $38 for late and returned payments
  • Requirements: Must be at least 18 years old and provide Social Security number and annual income
  • Approval process: You’ll be contacted by mail about the status of your application within 7-10 business days of applying
  • Source: Zales Credit Card
  • Apply for a Zales Credit Account online

In Summary

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 be useful and may help you build credit. 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.

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