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.
Department Store | Credit requirement | APR (approx.) |
---|---|---|
Nordstrom | Good | 28% |
Belk | Fair | 26% |
Boscov's | Fair | 27% |
Saks Fifth Avenue | Good | 24% |
Kohl's | Fair | 27% |
Macy's | Good | 29% |
JCPenney | Good | 27% |
Neiman Marcus | Good | 27% |
Sears | Good | 27% |
TJX | Good | 28% |
Dillard's | Good | 27% |
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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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:
- 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).
I can wait just didn’t know they had beds I need a full size one we got two air mattress and both got holes in them fast and i have broke leg that has be amputated but I’ll try them
Hi Rebecca,
We have a couple articles about financing and rent to own options at furniture stores that you might find helpful. Here’s the 10 Best Rent to Own Furniture Stores and Furniture Financing: The 10 Most Popular Furniture Stores That Finance. Hopefully these can help you find a store near you with the bed you need. Good luck!
Could someone please help me I want apply for department credit card we are on disability and credit not that great we did get approved for loan but it not showing payment on credit yet and Fingerhut but ain’t used yet rather have local store we lost everything in flood and just can’t afford pay cash right out we don’t get but 800 month so I don’t know if any would approve us and don’t want run bunch hard credit reports it lowrts your score plzz any recommendations who to tty
Hi Rebecca,
Sorry to hear about the flood! If you have an address to send things too and can wait a couple days for shipping, it’s pretty easy to get approved for Amazon’s credit card. I would recommend taking a look at this article: The 13 Easiest Store Credit Cards to Get. We also list some of the toughest to get, so you know what to avoid. Several department stores made that list, so you should find something that can help.
You might also want to consider soft pull credit cards. A soft pull doesn’t affect your credit score, so you won’t have to worry as much about the risk of losing a few point only to not even be approved. We also have a list of those: Soft Pull Credit Cards and Store Cards.
I already have just about every card on the list but I applied for a Boscov’s which said your credit could be bad, mine is above average and I was denied! I never get denied credit.
Hi Dawn,
While I can’t say why Boscov’s denied you credit, now may be a good time to contact one or more of the credit reporting bureaus to check on the health of your credit. You’re entitled to a free credit report every 12 months from each of the three nationwide credit reporting agencies. You can find out how to order a copy of your credit report here.
I have a Walmart card what companies are these card with what banks can I still get another credit card
Use it like a credit card how long do you have to pay it back
Hi Donald,
You’ll have to make a payment once a month. If you chose the minimum payment, rather than to pay the balance, you’ll also be charged interest on the next month’s statement.
If you are looking for instant approval on a credit card Dillard’s does offer approval within seconds of applying. Only takes about 2 minutes to apply. I work for them and I process credit applications all the time.
Hi Trahan! Yes, you’re totally right. I called to confirm, and Dillard’s told me that yes, it’s almost always instant, unless there is some problem and they need to consult with their credit department. We’ve updated the article to reflect this correction! Thanks for helping us catch this error!
Hi I may be a little confused.
Are you saying Instant Approval meaning you will automatically be approved for their credit card or Instantly Approval meaning you will instantly get the results ( Approved/Not Approved)
Hi Booney,
Thanks for the question. Most credit cards take days (or even weeks) for you to hear back if you’ve been approved or not. In this article, when we say Instant Approval, we mean that you’ll get results back instantly about if you’ve been approved or not approved – (usually just after the department store does a quick phone call to check your credit. Hope this helps clear up the confusion!
Where can i go to apply for dillard
Hi there!
You can either go to your local Dillard’s and apply in-store, or you can call them at 1-800-643-8276 to receive an application by mail.
Dillard’s does have instant credit.
Dollar’s does have instant approval on their credit card. I don’t know where you got your info.
After reading this a few months ago i applied for everyone you said was an instant approval and got rejected by every single one.So I guess thungs have changed since this was written.
Hi there,
Unfortunately, instant approval doesn’t mean absolute approval. In other words, these companies still run your credit to determine your credit worthiness.