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Best Store Credit Cards:
Costco Anywhere Visa® Card by Citi - Best for Groceries.
Kohl's Credit Card - Best for Bonus Rewards.
Target Credit Card - Best for Everyday Rewards.
Amazon.com Store Card - Best for Online Shopping.
TJX Store Card - Best for Clothing.
Fingerhut Credit Account - Best for Bad Credit.
2019's Best Store Credit Cards
what are the best store credit cards to build credit with?
The best store credit cards to build credit are the Amazon Store Card (5% back on Amazon.com with a Prime membership) and the Target Credit Card (5% back at Target and Target.com). Both require just fair credit (640+ credit score) for approval. And like all major store credit cards, they report to the three major credit bureaus every month. That will help you build credit history. But keep in mind that store cards can only be used at the retailer they're affiliated with.
Unfortunately, you need at least a fair credit history to be approved for most store cards. If you have bad or limited credit, your options are slim. In fact, the only real “store card” for limited or bad credit is the Fingerhut credit account, which you can only use at the online retailer Fingerhut. But there are other cards for bad credit that are co-branded with retailers, meaning you can use them not just at those retailers but anywhere. For example, there's the AeroMexico Secured Credit card
Do any retailers offer store charge cards?
Many people refer to store cards as charge cards, making talk of a Sears charge card, a Walmart charge card, a Kohl's charge card or a Disney charge card quite common.
However, in most cases, store cards are credit cards, not charge cards, and they do not require that you pay your balance in full each month. A good rule of thumb to remember is that if it has an interest rate, it's not a charge card.
What credit score do you need to get a store credit card?
There is no defined range for a fair credit score, but typically a FICO score between 580 and 669 are considered fair. For a Walmart credit card, a score of 660 or higher is recommended, but those with scores as low as 550 have reported success when applying for the card.Apr 5, 2019
The Average Credit Score Needed for a Retail Store Card
Here are some of the easiest department store credit cards to get:
Target REDcard: For people with fair credit or better. 5% off at Target and Target.com. Returns extended by 30 days. Free shipping. Yearly 10% off coupon. No annual fee.
Walmart Store Card: For people with fair credit or better. $35 off a $75+ purchase the same day you get approved. 3% Walmart.com
Best “Department Store” Credit Cards for Bad Credit
Kohl's Charge Card. ...
Macy's Credit Card. ...
Dillard's Credit Card. ...
TJX Rewards Credit Card. ...
Belk Credit Card. ...
JCPenney Credit Card. ...
Nordstrom Retail Card.
7 “Department Store” Cards for Bad Credit (2019)
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