Instant Approval Department Store Credit Cards (Easiest Ones to Get)

If you frequently shop at a particular department store and are looking to improve or repair your credit score, a department store credit card is an option to consider.

Department store credit cards tend to have low approval requirements and offer discounts through cardholder coupons and special offers. Many provide approval decisions within minutes of submitting your application.

Below, we list the department store credit cards that offer instant approval.

What We Recommend

The overall best department store credit card with instant approval is the TJX Rewards Credit Card.

While other cards like Saks Fifth Avenue have slightly lower APRs, the TJX Rewards Credit Card has some of the lowest late payment fees and charges no annual fee.

Additionally, TJX Rewards offers both a Mastercard you can use anywhere and a closed-loop card valid at all five of its stores (T.J. Maxx, Marshalls, HomeGoods, Homesense, or Sierra Trading Post).

Comparison Table

Use the table below to compare the department stores with instant approval credit cards.

You can sort the table using the arrows at the top of any column. Select each store name or scroll down to the list for more details.

The List

Below, we list the department store credit cards that provide an approval decision immediately after you apply. We’ve ordered the list starting with the best overall options.

Keep in mind that these cards do require credit checks, and whenever a business does a “hard” credit check, it can lower your credit score by a few points.

Additionally, department store credit cards often have high interest rates compared to other credit cards.

If you don’t shop at department stores frequently, don’t think you’ll be able to pay off your purchases before they accrue interest, or you can get approved for a card with a better interest rate, you might want to consider a different credit card.

See our list of the best credit cards to consider.

TJX Rewards Credit Card

• Open or closed loop: Both — there’s a closed-loop store card (valid at T.J. Maxx, Marshalls, HomeGoods, Homesense, and Sierra Trading Post) and a Mastercard^[1][2]
• Credit requirement: Good^[3]
• Incentives:
  • 5% back in rewards at  TJX stores^[1]
  • Access to private shopping events^[1]
• APR: About 28%^[2]
• Annual fee: None^[2]
• Late payment fee: Up to $38^[2]
• Apply

Saks Fifth Avenue SaksFirst Card

• Open or closed loop: Both; offers a closed-loop store card and an open-loop Mastercard^[4]
• Credit requirement: Good^[5]
• Incentives:
  • Earn up to six points per dollar you spend with your SaksFirst rewards membership^[4]
  • Earn a $25 gift card for every 2,500 rewards points^[4]
  • Exclusive access to collection previews, events, and private sales^[4]
• APR: About 24%^[6]
• Annual fee: None^[6]
• Late payment fee: Up to $35^[6]
• Apply

Dillard’s Card

• Open or closed loop: Both; offers a closed-loop store card and an American Express card^[7]
• Credit requirement: Good^[8]
• Incentives:
  • Earn one to two rewards points for every dollar you spend^[7]
  • Receive a 10% off or $10 rewards certificate each time you earn 1,500 points^[7]
• APR: Around 27% for both cards^[9][10]
• Annual fee: None^[9][10]
• Late payment fee: Up to $40^[9][10]
• Apply

Nordstrom Credit Card

• Open or closed loop: Both; offers a retail credit card and a Visa card^[11]
• Credit requirement: Good^[12]
• Incentives:
  • Earn one to three points per dollar you spend^[11]
  • Insider status in The Nordy Club^[11]
• APR: About 28%^[13]
• Annual fee: None^[11]
• Late payment fee: Up to $40^[13]
• Apply

Belk Credit Card

• Open or closed loop: Both; offers a store card and a Mastercard^[14]
• Credit requirement: Fair^[15]
• Incentives:
  • 20% off most purchases at Belk^[14]
  • 3% to 5% back in rewards on Belk purchases and 1% to 2% back on other purchases^[14]
  • $10 Belk Reward Dollars bonus^[14]
• APR: About 26%^[16]
• Annual fee: None^[16]
• Late payment fee: Up to $40^[16]
• Apply

Neiman Marcus Credit Card

• Open or closed loop: Closed; valid at Neiman Marcus, Bergdorf Goodman, Last Call, and Horchow^[17]
• Credit requirement: Good; see our previous research for more information on your Neiman Marcus credit card approval odds.
• Incentives:
  • Earn up to five points for every dollar you spend^[17]
  • Earn a $100 gift card for every 10,000 points you earn^[17]
  • Get 5,000 bonus points if you make a purchase within 30 days of opening the card^[17]
• APR: About 27%^[18]
• Annual fee: None^[18]
• Late payment fee: Up to $40^[18]
• Apply

Sears Card

• Open or closed loop: Both; offers a store card and a Mastercard^[19]
• Credit requirement: Good^[20]
• Incentives:
  • Exclusive events for cardholders^[19]
  • Special financing promotions^[19]
  • Mastercard members can earn points on purchases at gas stations, restaurants, and stores^[19]
• APR: About 27%^[21]
• Annual fee: None^[21]
• Late payment fee: Up to $40^[21]
• Apply

Kohl’s Card

• Open or closed loop: Closed^[22]
• Credit requirement: Fair^[23]
• Incentives:
  • 35% off your first purchase with the Kohl’s Card^[22]
  • Cardholder anniversary and birthday offers^[22]
  • Free shipping opportunities^[22]
• APR: About 27%^[24]
• Annual fee: None^[24]
• Late payment fee: Up to $40^[24]
• Apply

JCPenney Credit Card

• Open or closed loop: Closed^[25]
• Credit requirement: Fair^[25]
• Incentives:
  • Savings of 5% to 15% off on purchases like electronics, apparel, jewelry, and home goods^[25]
  • Special financing offers on furniture, mattresses, jewelry, and other high-value items^[25]
  • Earn one reward point for every dollar you spend^[25]
• APR: About 27%^[26]
• Annual fee: None^[26]
• Late payment fee: Up to $41^[26]
• Apply

Macy’s Card

• Open or closed loop: Both; offers a closed-loop store card and an American Express card^[27]
• Credit requirement: Good^[28]
• Incentives:
  • 20% off same-day and next-day purchases after opening your card (with a maximum savings of $100)^[27]
  • 1% to 5% back in rewards^[29]
• APR: About 29%^[30][31]
• Annual fee: None^[30][31]
• Late payment fee: Up to $41^[30][31]
• Apply

Boscov’s Credit Card

• Open or closed loop: Closed^[32]
• Credit requirement: Fair^[33]
• Incentives:
  • Two points for every $1 spent (four points per $1 for cosmetic and fragrance purchases)^[32]
  • Exclusive cardholder savings events^[32]
  • Birthday and holiday savings certificate^[32]
  • Bonus rewards points for your cardholder anniversary^[32]
  • Special financing offers in some departments^[32]
• APR: About 27%^[34]
• Annual fee: None^[34]
• Late payment fee: Up to $41^[34]
• Apply

See our related research for more instant approval credit card options (including other retailers like Amazon).