Hardest Store Credit Cards to Get in 2024 (2024)

FAQs

What is the hardest store credit card to get? ›

Bianca Smith, WalletHub Credit Cards Analyst

The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.

Millionaires use credit cards like the Centurion® Card from American Express and the J.P. Morgan Reserve Credit Card. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting.

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

FAQs about exclusive credit cards

The American Express Centurion Card, commonly known as the “Amex Black Card,” is often regarded as the most popular credit card in the world due to its invitation-only policy and extensive luxury benefits.

The Kohl's Credit Card approval requirements include a credit score of 640 or higher. This means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income, and existing debt obligations when making a decision.

It is not hard to get the Target Credit Card because you only need fair credit to qualify, which means you should have good approval odds with a credit score of 640 or higher. You also need to have a steady income, an SSN and a valid ID, which is standard.

The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.

Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.

Are store credit cards harder to get? ›

Store credit cards are able to accept applicants with less-than-stellar credit because they come with some built-in limitations, like high interest rates, low credit limits and general inflexibility.

Pretty much all other store credit cards require fair credit (640+ score) for approval.