WalletHub
wallethub.com › answers › cc › easiest-clothing-store-credit-card-to-get-2140884123
Easiest Clothing Store Credit Cards to Get in 2025
August 4, 2025 - The easiest clothing store credit card to get is the Amazon Secured Credit Card because it is available even to people with bad credit. Since it’s a secured card, you will have to put down a security deposit when you open the account
Ross Stores
rossstores.com › home › credit card
Get a Ross Credit Card
3 weeks ago - You will also earn 5% back as rewards Footnote 2 on all purchases on the credit card at Ross Dress for Less to use on future purchases. The Ross Mastercard is a credit card that can be used anywhere Mastercard is accepted.
What are the easiest store credit cards to get?
Montgomery Ward Credit Account is among the easiest store credit cards to get, as you can get approved with bad credit (a credit score of 500+). The card does not charge an annual fee, so it can help people with no credit or even bad credit improve their credit score for free More on wallethub.com
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August 22, 2025I want to get 1 store credit card, just one, which is the easiest one to get? Meaning the loosest credit requirements. I am a student but 47 so old enough to know better as well! Thanks for the help!
What stores do you frequent? And why a store card? More on reddit.com
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September 24, 2023CMV: Most store credit cards- particularly those from department stores are not worth getting, and can be outmatched by mainstream credit cards
The only exception I see is cards from big chain retailers with a wide variety of every day products you shop at often, like Costco, Sams Club, Target, Amazon, as well as Hotel and Airline cards for status if you're into that. That's a pretty substantial exemption, given that exponentially more people are going to use Amazon credit cards than Bloomingdale's credit cards. It seems like you've selected a handful of bad store credit cards, excluded all major cards in this class, then concluded that most store cards were bad. More on reddit.com
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December 6, 2024Credit card for cash back on general shopping?
I have a Citi Double Cash card that pays 2% on everything. I also have other cards for certain categories. More on reddit.com
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December 24, 2023Are store credit cards easy to get?
Store credit cards are typically easier to qualify for, but can have limited rewards or other restrictions. Many store cards can only be used with that particular retailer or have fewer useful benefits than other types of credit cards.
cnbc.com
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
What is the Easiest Credit Card to Get?
The easiest credit card you can get depends on your credit score. The higher it is on the range of 300 to 850, the better chance you have of being approved. Even having no credit can be easy to get a secured credit card with if you’re willing to pay a deposit for a line of credit.
The cards we’ve listed above should be the easiest to get if you meet the criteria listed for each card. If you have a job and don’t use more than 30% of the credit limit available to you — called a credit utilization ratio — then you should be able to get some type of credit card.
If you don’t want to pay a security deposit for a secured credit card, look for an unsecured card that doesn’t have an annual fee or monthly maintenance fees.
Remember, the easiest credit card to get is one that you have the best chance of being approved for. That’s why we made this list, so you can find a card that fits your credit score.
If you don’t know your credit score, go to www.annualcreditreport.com and request a free copy of your credit report every from each credit bureau. Make sure all of the information on your reports is correct since wrong information can unfairly lower your credit score. Disputing incorrect information on a credit report is worth your time and can be done for free.
cardrates.com
cardrates.com › home › advice
12 Easy-Approval Credit Cards by Category (Dec. 2025)
What is the easiest credit card to get with bad credit?
If you have bad credit, the Petal 2 "Cash Back, No Fees" Visa Credit Card is one of the easiest cards to get because the issuer considers factors beyond your credit score, such as banking activity.
cnbc.com
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
Videos
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The Best Department Store Credit Card To Start A Side Hustle Business ...
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Which Clothing Store Credit Cards are Best? - YouTube
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What Are the Easiest Department Store Credit Cards to Get? - YouTube
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Easiest Store Credit Cards to Get - 10 Store Card Reviews - YouTube
Burlington Stores
burlington.com › burlington.com home › burlington credit card - pre-qualify today!
Burlington Credit Card - Pre-Qualify Today! | Burlington
Get 10% off your 1st purchase when you open and use your Burlington Credit Card. See if you prequalify.
CardRates
cardrates.com › home › advice
12 Easy-Approval Credit Cards by Category (Dec. 2025)
2 weeks ago - If everyone is still turning you away for credit, try a store card such as the Target Circle Card™. Your activity will be reported to the credit bureaus and your credit score should improve over time.
CNBC
cnbc.com › cnbc select › credit cards › 8 easiest credit cards to get approved for in january 2026
8 easiest credit cards to get approved for in January 2026
2 weeks ago - Authorized users get their own credit card but typically won't have access to all of the same benefits available to the primary cardholder and there could be a fee for adding authorized users. Store credit cards are typically easier to qualify for, but can have limited rewards or other restrictions.
Synchrony
synchrony.com › financing › credit-cards
Synchrony Credit Cards: Prequalify or Apply Online
From general purpose Synchrony Mastercards to store cards from brands you love best, find the credit card that works best for you. Apply online today.
BadCredit.org
badcredit.org › home › guides
Department Store Cards for Bad Credit in 2025 - BadCredit.org
2 weeks ago - And, the card’s high APR coupled by its closed-loop limitations mean the card will become more of a steal than a deal if you tend to carry a high balance. The JCPenney Credit Card enables users to earn 1.5 reward points per dollar spent on ...
Upgraded Points
upgradedpoints.com › home › credit cards
Full List of 113 Synchrony Store Credit Cards [Includes the Best Cards]
2 weeks ago - While there are many factors for approval and this doesn’t make an approval a guarantee, it can give you an idea of what to expect with Synchrony credit cards. If this credit score is still too much of a leap for you, consider starting with ...
NerdWallet
nerdwallet.com › credit-cards › learn › best-store-credit-cards
Best Store Credit Cards of 2026 - NerdWallet
3 weeks ago - If you're a frugal spender and do most of your shopping — clothes, food, furniture — at Target, this card's 5% discount could add up to hundreds of dollars in savings per year. Most general credit cards don't offer bonus rewards for shopping at discount outlets like Target. Cardholders also get free shipping on Target.com purchases and extra time for returns, valuable loyalty perks.
Forbes Advisor
forbes.com › advisor › credit-cards › best › instant-approval-store-credit-cards
Best Instant Approval Store Credit Cards Of 2025 – Forbes Advisor
November 27, 2025 - When you’re finalizing your purchase at checkout, a store credit card can offer steep discounts or rewards for your purchase. The best instant approval store credit cards promise convenience in a flash, and picking the right one can ensure your shopping trip is as rewarding as it is smooth.
WalletHub
wallethub.com › popular credit card questions
Best Instant Approval Department Store Credit Cards (2026)
October 29, 2025 - It used to be Walmart, but you can’t get their cards anymore. Kohl's and Amazon are solid choices though - they usually give you a decision right away. Just keep in mind the limits might be low if your credit's not great.
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Montgomery Ward Credit Account is among the easiest store credit cards to get, as you can get approved with bad credit (a credit score of 500+). The card does not charge an annual fee, so it can help people with no credit or even bad credit improve their credit score for free.
Easiest Store Credit Cards to Get
Potential for Low APR: Montgomery Ward Credit Account Potential for Low APR: Montgomery Ward Credit Account Montgomery Ward Credit Account Learn MoreLearn MorePotential for Low APR: Montgomery Ward Credit Account Montgomery Ward Credit Account Learn MoreLearn Moreon issuer's websitePotential for Low APR: Montgomery Ward Credit Account Montgomery Ward Credit Account Learn MoreLearn MorePotential for Low APR: Montgomery Ward Credit Account
Ongoing Rewards: N/A
Annual Fee: $0
Minimum security deposit: N/A
Credit requirement: Accepts people with bad credit (a credit score of 500+)
Online Shopping: Amazon Secured Credit Card Online Shopping: Amazon Secured Credit Card Amazon Secured Credit Card Learn MoreLearn MoreOnline Shopping: Amazon Secured Credit Card Amazon Secured Credit Card Learn MoreLearn Moreon issuer's websiteOnline Shopping: Amazon Secured Credit Card Amazon Secured Credit Card Learn MoreLearn MoreOnline Shopping: Amazon Secured Credit Card
Ongoing Rewards: 2% back at Amazon.com and Whole Foods Market purchases for Prime members
Annual Fee: $0
Minimum security deposit: $100
Credit requirement: Accepts people with bad credit (a credit score of 300+)
Fair Credit: Target Credit Card Fair Credit: Target Credit Card Target Credit Card Learn MoreLearn MoreFair Credit: Target Credit Card Target Credit Card Learn MoreLearn Moreon issuer's websiteFair Credit: Target Credit Card Target Credit Card Learn MoreLearn MoreFair Credit: Target Credit Card
Ongoing Rewards: 5% discount at Target and Target.com
Annual Fee: $0
Minimum security deposit: N/A
Credit requirement: Fair credit (640+ credit score recommended)
Although store credit cards can’t usually be used anywhere except for the store they’re branded with, they are a great way to save on some of your biggest purchases. They’re also much easier to get than most rewards cards. Plus, if the card reports to the major credit bureaus every month, you can build up your credit score.
It’s worth noting, though, that store cards may come with higher interest rates and lower credit limits than general credit cards. Always consider whether a store card is the best option for your financial situation. To explore more options, check out our editors’ latest picks for the best credit cards for bad credit on the market.
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If you need approval fast:
In-store apps are easier (TJ Maxx, JCPenney, etc.)
Synchrony Bank issues most (they're lenient)
Retail cards often have higher limits (my Ikea card gave 2k when my real card was 300)
But warning: they'll close your account if it’s inactive. My Macy's card got axed after 6 months of no use.
Navy Federal Credit Union
navyfederal.org › go to makingcents › credit & debt
Should You Get a Store Credit Card? | Navy Federal Credit Union
Thinking about getting a store credit card? Think again. You may get better rates with a more traditional option like a card from Navy Federal Credit Union.
Reddit
reddit.com › r/creditcards › i want to get 1 store credit card, just one, which is the easiest one to get? meaning the loosest credit requirements. i am a student but 47 so old enough to know better as well! thanks for the help!
r/CreditCards on Reddit: I want to get 1 store credit card, just one, which is the easiest one to get? Meaning the loosest credit requirements. I am a student but 47 so old enough to know better as well! Thanks for the help!
September 24, 2023 -
I wantto opena store credit card. Targetwould be lovely but others would be okaytoo.thanks for ur help!
Credit Karma
creditkarma.com › credit-cards › retail-credit-cards
Retail Credit Cards of August 2025: Shop & Earn
Like any other credit card, a retail store credit card can help you build credit — so long as the card issuer reports to the three major consumer credit bureaus and you’re practicing good credit habits. Many of these store cards are easier to get approved for, so they can provide you with an opportunity to build credit that you may not able to get from other types of cards.
Experian
experian.com › home › credit cards › which store cards are easiest to get with bad credit?
What Is the Easiest Store Card to Get With Bad Credit? - Experian
October 5, 2020 - Fortunately, some of the largest retailers offer the best store cards, and store cards rarely have annual fees. In some cases, you can apply for the open-loop card and, if you don't qualify, you may be automatically considered for a similar closed-loop card. Whether you are new to credit or rebuilding your credit, consider these starter cards.
Chase
chase.com › education center › credit cards › building credit
Getting a Store Card with No Credit | Chase
May 3, 2023 - Is it possible to get a retail store card without any credit? Discover what options are available to you now.
U.S. News
money.usnews.com › home › credit cards › best retail store credit cards of november 2025
Best Retail Store Credit Cards of November 2025 | U.S. News
September 30, 2025 - You might consider a store credit card if you’re looking for a card that provides discounts and perks with a particular retailer. The best cards are open-loop, so you can use them in and out of affiliated stores. Before applying for a credit card, make sure to consider whether you’ll get more value from a store card or a regular rewards credit card.
Quora
quora.com › What-are-the-easiest-retail-store-cards-to-get-approved-for
What are the easiest retail store cards to get approved for? - Quora
Answer (1 of 3): I worked in Wal-Mart retail as a cashier for 8 years. We were encouraged to process as many applications for store cards as we were able to. I believe many customers were approved quickly through our efforts. With proper ID and income verification, they are approved.
Netspend
netspend.com › blog › easiest-credit-card-get-approved-for
What Are the Easiest Credit Cards to Get Approved For?
April 10, 2025 - Some retail stores offer credit cards for low or fair FICO credit scores, making them a little easier to apply for.