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Easiest Department Store Card To Get
28 Sep 2019

Which Is The Easiest Department Store Card To Get?

Maybe you want to save on everyday purchases and rebuild damaged credit at the same time? As you know, having different types of credit is a factor used to calculate your credit score.

If you are looking to build your credit score, you should be interested in finding the easiest department store credit card to get that fits your needs and has a good set of card features – here is some help on that!

What Is The Easiest Department Store Credit Card To Get?

The easiest department store credit card to get approved on will differ from applicant to applicant. There are many stores that approve bad credit, but the real goal is to find easy approval for the best card you can get – and for a store that you would actually shop at with some degree of frequency.

Most store cards require some credit history – but only a limited amount, not too much. And they typically want at least “fair” credit. A few accept bad or poor credit and little to no credit history, and a few require excellent credit.

Store cards, also called retail credit cards, don’t have the highest of standards to begin with as far as approval – but you do need to research their requirements before applying since a decline is a bad mark on your credit history.

Some of the best easy-approval store credit cards on the market today include:

  • The store card that gives you 5% cashback on online purchases. It’s easy to get approved for, but you have to be an Amazon Prime member to get the cash rewards.
  • TJ Max, Kohl’s, or Target for clothing shopping.
  • Fingerhut if you have bad credit.
  • Costco or Walmart for grocery shopping.

Obviously, there are many more. This is just a representative sample, but you can check out their reviews and see a more comprehensive list at

You really have to start off with some specific goals and criteria as to what you want and narrow your search gradually until you find the perfect store card. For that exercise, Bonsai Finance’s online search engine is a good tool to get moving.

How To Use A Store Card For All It’s Worth

For most users, a store credit card won’t be their only card. The reason is pretty obvious: you can only use most store cards at that particular store and few shop at only one place.

There are exceptions of course. For example, you might just want to use a single store card to rebuild credit and save a little at the same time, while you don’t feel ready to get a “regular” credit card yet. But most people want a store card as an extra in their wallet instead of the sold card.

Another thing to consider is that you often get an introductory period with zero interest when you first sign up for store cards. Some just get the card during the intro period and then cancel it. For sure, however, try not to still carry a balance past when the no-interest period ends.

How To Find Your Ideal Store Card Now!

You might think that the best way to find your best credit card is to simply visit a bunch of store websites, but in reality, that won’t give you the perspective you need to make the wisest possible decision.

To compare numerous store cards all at once and to sift through them feature by feature with speed and incredible ease, try the 100% free services of Bonsai Finance. Bonsai’s top-of-market search tools for credit cards and personal loans and at your fingertips chat-staff enable you to search faster. It gives your search both scope and precision and lets you have confidence you’ve found the right card.

With Bonsai Finance, you can find the easiest department store credit card to get approved for by searching based on approval criteria, while not neglecting searches based on desirable features as well. You can also look through our helpful advice on bad credit loans, installment loans, and no credit check loans. Take a look through our blog to learn more! Check out these articles below that you might find interesting:

Financial Issues? Benefits of Payday Loans
What Age Can You Get a Credit Card?
How to Get a Credit Card After Bankruptcy
Top Ways Consolidating Credit Card Debt Will Impact Your Credit Score