What Store Credit Cards For No Credit Have Instant Approval? (2024)

FAQs

What is the easiest store credit card to get with no credit history? ›

One of the easiest store credit cards to get is the Fingerhut Credit Account. The card has a $0 annual fee and can help people with no credit or even bad credit improve their credit standing for free. But there are other options to choose from, too.

You can still get approved for a credit card without a credit history. In fact, there are credit cards designed for people with no credit, such as secured cards and student cards. You'll want to pay attention to features like fees and interest rates when shopping for your first credit card.

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

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.

Some credit card issuers let you use an instant approval credit card right away, while others require that you wait to receive the physical credit card. Once you activate your card, you can start using it and earning rewards.

Here are a few other Amex cards that offer the ability for an instant card number: Delta SkyMiles® Blue American Express Card. The Platinum Card® from American Express. Amex EveryDay® Credit Card.

How do I build credit if nobody will give me a credit card? ›

Common reasons include a high debt-to-income ratio, a low credit score, insufficient monthly income, a limited credit history or delinquencies. Once you know why your application was denied, you'll know what to work on.

The easiest furniture store credit card to get is the Fingerhut Credit Account because you can potentially have bad credit and still get approved for this card. While Fingerhut isn't only a furniture store, its online-only store has a furniture section, which includes bedroom sets, dining tables, couches, and more.

The best store credit card you can get with a 500 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.

Consider a store credit card

Retail credit cards tend to be easier to qualify for, even if your credit isn't very good. That said, just because retailers offer credit cards for people with bad credit doesn't mean store credit cards are your best option.

You need a credit score of 640 or higher (fair credit or better) to get a Walmart credit card.