What Are the Easiest Store Credit Cards to Get?

Easiest Store Credit Cards to Get: What You Need to Know

If you're looking to build your credit history, or simply want to take advantage of storediscountsand rewards,store credit cardscan be a good option. However, if you have a limited credit history or a low credit score, it can be difficult to get approved for one. In this article, we'll explore some of the easiest store credit cards to get, as well as some tips for improving your chances of approval.

Department Store Credit Cards

Department store credit cards are some of the easiest to get, as they often have lower credit requirements than traditional credit cards. In addition, these cards usually offer discounts and rewards for purchases made at the store. Examples of department store credit cards include the Macy's Credit Card, Kohl's Charge Card, and JCPenney Credit Card.

Gas Station Credit Cards

Gas station credit cards are also relatively easy to get, as they are often geared towards individuals with lower credit scores. These cards usually offer rewards for gas purchases, as well as discounts on other items sold at the station. Examples of gas station credit cards include the Shell Gas Card, BP Visa Credit Card, and ExxonMobil Credit Card.

Store Credit Cards for Bad Credit

If you have bad credit, there are still some store credit cards that you may be able to get approved for. These cards often come with higher interest rates and fees, but can still provide an opportunity to build your credit history. Examples of store credit cards for bad credit include the Fingerhut Credit Account, Horizon Gold Card, and Total Visa Credit Card.

Tips for Getting Approved

While these store credit cards may be easier to get, there are still some things you can do to increase your chances of approval. First, make sure that your credit report is accurate and up-to-date. You can get a free copy of your credit report from each of the three major credit bureaus once a year. Second, try to pay off any outstanding debts or collections before applying for a store credit card. Finally, consider applying for a secured credit card, which requires a security deposit but can help you build your credit history.

Saving Money with Store Credit Cards

In addition to discounts and rewards, store credit cards can also help you save money in other ways. For example, many cards offer introductory 0% APR periods, which can allow you to make purchases and pay them off over time without accruing interest. Additionally, some store credit cards offer free shipping or extended return periods, which can be especially useful for online shopping.

Annual Fees and Avoiding Risks

Before applying for a store credit card, it's important to be aware of any annual fees or other potential risks. Some store credit cards have high annual fees, which can offset any rewards or discounts you may receive. Additionally, if you're not careful, you may end up carrying a balance and accruing high interest charges. To avoid these risks, make sure to read the terms and conditions carefully before applying for a store credit card.

Recommended Store Credit Cards

While there are many store credit cards to choose from, some of the most recommended include the Amazon Prime Store Card, Target REDcard, and Walmart Credit Card. These cards offer a range of discounts and rewards, as well as relativelyeasy approvalrequirements.

In conclusion, store credit cards can be a useful tool for building your credit history and saving money on purchases. By understanding the easiest store credit cards to get, as well as some tips for improving your chances of approval, you can make an informed decision about which card is right for you.