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Online store credit cards with guaranteed approval

No card is guaranteed, but these cards are easier to obtain than others.

The idea behind a credit card with guaranteed approval is you’ll be approved for the card no matter your finances or credit score. Unfortunately, there are no online store credit cards with guaranteed approval – or any other credit card with guaranteed approval for that matter. Nonetheless, online store cards are typically much more accessible to those with average or poor credit than standard credit cards. That’s because these cards often come with limitations as you can usually only use them with the corresponding store. Here’s a lineup for online store cards that might fit the bill when it comes to substituting for instant approval.

Online store credit cards with almost guaranteed approval

While there isn’t a card on the market that offers guaranteed approval, online store credit cards often have higher approval odds than typical credit cards. Here are a few solid online store credit card options that might prove easier to qualify for and can help you build your credit score.

  • Amazon.com Store Card. A useful option for many consumers thanks to the breadth of items available for purchase on Amazon. Prime Members can earn 5% back on their Amazon purchases and the card offers special financing opportunities on select purchases – though this is deferred interest rather than a true 0% intro offer. Depending on your credit score, you may receive an offer for a secured card rather than the standard store card.
  • Fingerhut Credit Account. While it arguably has fewer products to offer than Amazon, Fingerhut has carved out a niche for itself as a reasonable option for credit building. The Fingerhut brand has been around for a number of years now, the application process is easy and they report your credit use to all three major credit bureaus.
  • Massey’s Credit. Though not as well known as Fingerhut, Massey’s is another online retailer that offers a credit line to consumers. Like Fingerhut, it’s possible to qualify for this line of credit with fair or even poor credit. However, those with poor credit may end up with a secured version of the credit line and will need to put up a security deposit before use.

Compare store credit cards for bad credit

If you’re not tied to the idea of an online store credit card, you have numerous in-store cards designed for those with average or poor credit that can also help you rebuild. Like online store cards, these may be closed-loop and will generally have poorer rates and fees or rewards compared to standard credit cards.

Name Product Annual fee Purchase APR Recommended minimum credit score
Principal Platinum Card
$177.24
N/A fixed
300
A store card with a $750 credit line for use at Horizon Outlet.
Group One Platinum Credit Card
$177.24
N/A
300
Merit Platinum
$299.40
N/A
300
Apply with no credit or bad credit, for use on the Horizon Outlet website.
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When is an easy approval store credit card worth it?

Store credit cards – particularly easy approval store cards – aren’t something you should aspire to have in your wallet. That’s because they’re generally outclassed by traditional rewards credit cards. Here’s a quick rundown of who should get an easy approval store credit card.

Get a store credit card if:

  • You have average or poor credit and want to rebuild your credit score.
  • You very frequently shop at that specific store and want to redeem your rewards in that store.

Get something else if:

  • You have a high-average to excellent credit score.
  • You want to use your credit card at all retail locations.
  • You want to earn and redeem your rewards on more than just a single store.

What to watch out for when picking a store credit card

Store credit cards often have worse rates and fees because they are easier to qualify for so there are few red flags you’ll want to keep an eye on when deciding to apply for a store card.

  • Unusual fees. Check the store card’s rates and fees and look for anything you wouldn’t find on a standard credit card. This can include things like activation fees or monthly fees. These are often signs of a predatory credit card designed to take unnecessarily from your wallet.
  • Minimal or no grace period. Most credit cards give you a grace period of over 20 days on average to repay purchases without accruing interest on those charges. Some store cards may have a much smaller time period, or even none at all. If you see a low or nonexistent grace period in the rates and fees, you’ll want to stay away.
  • Deferred interest plans. Many store cards advertise special financing plans to cardholders, allowing you to pay off a purchase over time without accruing interest. For the easy to obtain store cards, these financing plans might be “deferred interest” plans. In a deferred payment plan, failure to pay off your original purchase within the set terms will result in you getting hit with ALL of the interest you would have accrued on that purchase from the original purchase date. This can make for a nasty surprise if you’re caught unaware, so you should take extreme care if using one of these financing plans.
  • Closed loop or open loop status. Make sure you understand exactly where you can use your new store credit card before you apply. Many store cards — especially online store cards — are closed loop, meaning you can only use them at a specified store. As you might expect, you can use open loop cards at all locations that accept credit cards.

Tips to increase your approval odds for an online store credit card

Like any credit card, an online store credit card will want to see you’re the ideal consumer for their product. Requirements are certainly lower than a standard credit card, but you’ll still want to maximize your odds of approval, especially if you need one to help you build your credit.

  • Pay off any existing debts. Any debt you manage to pay off will have a positive impact on your debt-to-income ratio, which can help your case when applying.
  • Include all of your income sources on the application. This is the other half of the debt-to-income ratio important to providers. Make sure you report all of your legitimate income to give an accurate representation of your debt-to-income ratio. This can also include your spouse’s income and income made outside of your full-time job.
  • Look for secured options. A secured store credit card or credit line is easier to qualify for compared to a standard store card. This is because secured credit cards require you to put down a security deposit. This acts as a collateral for the provider in the event you mismanage your card and your account goes belly up.

Bottom line

Online store cards aren’t an ideal solution to rebuilding your credit but they’re not a bad option in a pinch if you also frequently shop at a particular store. If you’re not married to the idea of an online store card, you can also look at your store card options and secured card options to find a card that best fits your financial needs. Once you’ve strengthened your credit, you’ll be ready to look at some of the best cards on the market.

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