Preapproval Store Cards: 8 Retail Credit Cards That Preapprove

Short Answer: The Home Depot, IKEA, Jared the Galleria of Jewelry, Joss & Main, Kay Jewelers, Kohl’s, Tempur-Pedic, and Wayfair offer preapproval for their store credit cards. Below, we list the details of the store credit cards that preapprove, as well as stores that don’t.

Preapproval Store Credit Cards

The practice of preapproving credit cards is more common for major credit card issuers than it is for retail credit cards, but there are a few stores that offer it. If you are choosing between several cards, applying for preapproval can help you avoid excessive hard pulls of your credit.

Keep in mind that while prequalification only requires a soft pull of your credit report and will not impact your credit score, your final credit application will still require a hard pull. Additionally, preapproval is not a guarantee of approval; the issuer may deny your application if it finds disqualifying information after a hard pull of your credit.

We gathered information about credit cards and their preapproval policies by viewing account applications and disclosures, as well as contacting the credit card companies directly to confirm. The following store credit cards offer preapproval:

The Home Depot Consumer Credit Card

  • Credit requirement: Fair
  • Other qualifications:
    • Must be at least 18 years old (21 in Puerto Rico)
    • Must have a Social Security number
    • Must provide information about your residence status, monthly mortgage or rent payment, and annual net income
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • Find current APRs and fees in the account terms and conditions at the bottom of the Home Depot Consumer Credit application.
  • How to request preapproval: Submit the Home Depot Consumer Credit pre-qualification form at the Citi Retail Services website.

IKEA Projekt Credit Card

  • Credit requirement: Fair
  • Other qualifications:
    • Must be at or over the age of majority in your state
    • Must have a street, route, or APO/FPO mailing address
    • Must have a valid, government-issued photo ID
    • Must have a Social Security number or Individual Tax Identification Number
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • Find more fee and APR information in the IKEA Projekt Card agreement.
  • How to request preapproval: Submit the IKEA Projekt pre-qualification form at Comenity’s website.

Jared The Galleria of Jewelry Credit Card

  • Credit requirement: Fair
  • Other qualifications:
    • Must create or sign in to a Jared.com account
    • Must meet the age of majority in your state
    • Minimum purchase of $1,000 to $5,000 depending on which special financing offer you choose
    • Must make a 20% down payment for 12-month or 18-month special financing
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • Find more APR and fee information in the Jared The Galleria of Jewelry Credit Card agreement.
  • How to request preapproval: Click “Get Prequalified Now” on the Jared.com credit card page.

Joss & Main

  • Credit requirement: Fair
  • Other qualifications:
    • Must meet the legal age of majority in your state
    • Must provide a Social Security number or Individual Tax Identification Number
    • Must create or sign in to a Joss & Main account
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • For the current APR and information about other fees, see the Joss & Main cardholder agreement.
  • How to request preapproval: Click “Find Out Now” under “Do you pre-qualify?” on the Joss & Main credit card page.

Kay Jewelers LONG LIVE LOVE Credit Card

  • Credit requirement: Fair
  • Other qualifications:
    • Must meet the age of majority in your state
    • Must create or sign in to a Kay.com account
    • Must provide personal information including your Social Security number
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • For the current APR and information about other fees, see the Kay Jewelers LONG LIVE LOVE Credit Card cardholder agreement.
  • How to request preapproval: Click “Get Prequalified Now” on the Kay.com credit card page.

Kohl’s Charge

  • Credit requirement: Fair
  • Other qualifications:
    • Must be at least 18 years old (19 in Alabama and Nebraska)
    • Must provide your Social Security number or other government identification number
    • Must provide information about your current income
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • Find the current APR, late fees, and other fees in the Kohl’s Charge cardmember agreement.
  • How to request preapproval: Submit the pre-qualification form at Kohls.com.

Tempur-Pedic Credit Card

  • Credit requirement: Good 
  • Other qualifications:
    • Must meet the age of majority in your state
    • Must provide your name, street address, financial information, and identification information
    • Must submit to a credit check
  • Terms and fees:
    • No annual fee
    • The complete terms — including late fees, other fees, and current APR information — are available in the Tempur-Pedic Credit Card agreement.
  • How to request preapproval: Click the “Check if you Pre-Qualify” button on the Tempur-Pedic Credit Card page.

Wayfair Credit Card

For more credit card options that preapprove, see our list of over 50 preapproval credit cards from major issuers.

Store Credit Cards That Don’t Preapprove by Request

The following credit cards do not offer preapproval by request. However, you may receive a pre-screened offer by mail, email, or during check-out. You may also be able to qualify for some of these credits cards using the shopping cart trick; find more information in our shopping cart trick store list.

  • A&F Credit Card (Abercrombie & Fitch)
  • Academy Sports + Outdoors Credit Card
  • Amazon.com Store Card
  • Amazon Prime Rewards Visa Signature Card
  • Amazon Rewards Visa Signature Card
  • Ann Taylor ALL Rewards Credit Card
  • Ashley Advantage Credit Card
  • Athleta Card
  • Athleta Visa Card
  • Avenue Credit Card
  • Banana Republic Card
  • Banana Republic Visa Card
  • Bass Pro Shops CLUB Card
  • Bed Bath & Beyond Mastercard
  • Bed Bath & Beyond Store Credit Card
  • Belk Rewards Credit Card
  • Big Lots Credit Card
  • BJ’s Perks Mastercard (BJ’s Wholesale Club)
  • Blue Nile Credit Card
  • Buckle Credit Card
  • Burlington Credit Card
  • buybuy BABY Store Credit Card
  • buybuy BABY Mastercard
  • Cabelas CLUB Card
  • Capital One Walmart Rewards Card
  • Carter’s Credit Card
  • David’s Bridal Credit Card
  • Dillard’s Credit Card
  • DSW Visa Credit Card
  • Eddie Bauer Credit Card
  • EXPRESS NEXT Credit Card
  • Gap Credit Card
  • Gap Visa Credit Card
  • Guitar Center Gear Card
  • Helzberg Diamonds Credit Card
  • Hot Topic Guest List Credit Card
  • IKEA Visa Credit Card
  • JCPenney Credit Card
  • J.Crew Credit Card
  • Jewelry Exchange Credit Card
  • King Size Platinum Credit Card
  • Lane Bryant Credit Card
  • Lowe’s Advantage Card
  • Lucky Brand Rewards Credit Card
  • Macy’s American Express Card
  • Macy’s Credit Card (Note: See our related research for the Macy’s Card minimum credit score.)
  • Men’s Wearhouse
  • My Best Buy Credit Card
  • My Best Buy Visa Card
  • mymaurices VIP Credit Card
  • Neiman Marcus Credit Card
  • New York & Company RUNWAYREWARDS Credit Card
  • Nordstrom Retail Credit Card
  • Nordstrom Visa Credit Card
  • Old Navy Credit Card
  • Old Navy Visa Card
  • Overstock Store Credit Card
  • SaksFirst Store Card (Saks Fifth Avenue)
  • Sephora Credit Card
  • Sephora Visa Credit Card
  • Talbots Credit Card
  • Target REDCard
  • TJX Rewards Credit Card
  • Ultamate Rewards Credit Card
  • Ultamate Rewards Mastercard
  • Victoria’s Secret Angel Credit Card
  • West Elm Credit Card
  • Zales Diamond Credit Card

We confirmed this information by checking each store website’s credit card page and contacting customer service representatives.

In Summary

While it is less common for store cards to offer pre-qualification than it is for major credit cards from issuers like American Express, some store credit cards allow you to request preapproval. The Home Depot, IKEA, Jared The Galleria of Jewelry, Joss & Main, Kay Jewelers, Kohl’s, Tempur-Pedic, and Wayfair each allow you to submit a form online to see whether you are likely to qualify for their store cards. For other store credit cards, you may receive pre-screened offers to apply, but you cannot request preapproval.