Store Credit Card for a 520 Credit Score (2024)

FAQs

What store card can I get with a 520 credit score? ›

The best store credit card you can get with a 520 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.

You need a credit score of 640 or higher (fair credit or better) to get a Walmart credit card. Your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.

While it can be easier to be approved for a store credit card than most other types of cards, it's by no means guaranteed. In general, you can be approved for a store credit card with a limited credit history, or with fair or average credit. This usually means a credit score in the low 600s or better.

Keep in mind that the Dillard's Store Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying.

You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

Sebi Mitchell, Credit Cards Moderator

Both the Amazon Credit Card and the Prime Visa are for people with good or excellent credit scores of 700+, while the Amazon Store Card accepts fair credit (640+ credit score) and the Amazon Secured Credit Card is for bad credit (300+ credit score).

Here are the Target Credit Card requirements for approval:

Minimum credit score: 640+ (at least fair credit) Age requirement: 18 years old. Income requirement: Enough to afford monthly payments (wages, investments, etc.)

While no credit score guarantees approval, you'll need at least fair or average credit to qualify for the Capital One Walmart Rewards Mastercard (a FICO score of at least 580 or higher).

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.

What store credit cards can I get with a 630 credit score? ›

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.

It is 180 points away from being a “good” credit score, which many people use as a benchmark, and 120 points from being “fair.” A 520 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

If you're checking your credit score on Experian or TransUnion, a credit score of 520 is categorised as Very Poor. This means most high street mortgage lenders won't offer you a mortgage.

A credit score of 700 or better is typically needed for a card that offers a $5,000 credit limit. This means that these cards usually require you to have good or excellent credit. You will normally need a high income and little to no existing debt to get a limit that high, too.

The Best Buy® Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for the Best Buy® Credit Card. Approval odds are higher with the Best Buy Store Card; this card requires at least fair credit (640+ credit score recommended).