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December 2020. Best
store credit cards

Store credit cards are offered by retailers or department stores and are popular among loyal customers. Many store cards are accepted at one retailer only, which makes them a bit unattractive. However, various benefits and easy approval process make up for limited acceptance. Many store credit cards are good for people with bad credit and may even offer instant approval. Below you will find the best cards for online shopping.

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Apply for Horizon Gold - Credit-Land.com APPLY
Bad/No Credit

Special Offer for Shopping

BEST CHOICE OF December 2020

Rating 3.8

  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Build Credit Using a Store Credit Card

While store credit cards may come with higher interest rates and lower credit limits, they still allow building credit history if managed responsibly. Retailer store credit cards are usually reported to one or three major credit bureaus. So, if you always pay on time, never skip monthly payments, and keep balances low, you may see your credit score going up. Store credit cards are like any other general credit cards: if managed responsibly, they can become a good tool to help you build credit.

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Apply for Merit Platinum Card - Credit-Land.com

Rating 3.5

APPLY

Fair/Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check
  • Instant $500 Credit Line.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Innovation Platinum - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • $500 Credit Limit
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Horizon Gold - Credit-Land.com

Rating 3.8

APPLY

Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for Evolve Card - Credit-Land.com

Rating 3.8

APPLY

Any Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0%
Annual Fee
See terms
  • Enjoy a $1,000.00 Credit Line!
  • No Monthly Fee!
  • Bad Credit? No problem

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
See terms
Annual Fee
$0
  • Low Monthly Payments
  • Get Pre-Qualified Instantly
  • No Annual Membership Fees
  • No Over-Limit Fees
  • No Fees to Pay Your Bill Online
  • Credit Lines Start at $100!
  • Buy Now, Pay Later

our choice

Annual Fee: $0

Instant Response

Reporting to the Major Consumer Reporting Agencies

Apply for Unique Platinum - Credit-Land.com

Rating 3.75

APPLY

Any Credit Welcome

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0%
Annual Fee
See Terms
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • *See terms and conditions

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

Apply for Midnight Velvet Credit - Credit-Land.com

Rating 3.8

APPLY

Any Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
N/A
Regular APR
5.75% - 25.99%
Annual Fee
$0
  • Buy Now, Pay Later
  • Low Monthly Payments
  • No Annual Fees
  • Applying is as easy as 1, 2, 3!

our choice

Annual Fee: $0

Instant Response

No Credit Check

Build Credit

Apply for Vast Platinum - Credit-Land.com

Rating 3.8

APPLY

Any Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0%
Annual Fee
See terms
  • Enjoy a $1,000 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly payments.
  • No Credit Checks & No Credit Turndowns.
  • No Application Denied for Poor Credit.
  • Reward Yourself With the Benefits of Credit!
  • Buy Now... Pay Later!

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

Apply for Ginny's Credit - Credit-Land.com

Rating 3.75

APPLY

Any Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
N/A
Regular APR
5.75% - 25.99%
Annual Fee
$0
  • Buy Now, Pay Later.
  • Budget frendly with low monthly payments starting at just $10 a month.
  • Get quick approval response and no annual fee.
  • Freeing: Save your credit cards for other things.

our choice

Annual Fee: $0

Instant Response

No Credit Check

Apply for Independence Gold Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Card Type
Unsecured Store Credit Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See terms
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • $500 Credit Limit
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

SHOW MORE CARDS
Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

0% APR FOR BAD CREDIT:
get in December 2020

  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
See more details

questionsABOUT
SHOPPING CREDIT CARDS

Will I build credit with a store credit card?

You will be able to build your credit using a store credit card. To be able to build your credit you should first of all make sure the store card you want to apply for is reported to the major credit bureaus. Luckily,...

Read more
How do store credit cards work?

Store credit cards are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing store. That means you won’t be able to use store cards...

Read more
How to save money on groceries using a credit card?

Groceries make the biggest part of the average family budget and when you have an opportunity to save on such purchases, you can save a lot. There are a lot of tips and pieces of advice about how to save money while...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

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ASK QUESTION

store credit cards: SAVE MORE
AS YOU SHOP

Many big brands like Old Navy, JCPenney®, Costco, or Walmart offer their own co-branded store credit cards. Retailers and department stores may offer credit cards that can be used at their store only and may have Visa or Mastercard versions of their store cards. The last can be used almost anywhere and not only at one retailer or store.

Store credit cards are usually easy to get, and it's even possible to find instant approval store credit cards. People with bad credit can qualify for a store-only credit card and get access to a line of credit on the day of approval, meaning they can start shopping right away.

Best retail credit cards come with benefits and member perks. The cards may offer special financing on qualifying purchases, rewards, discounts, free shipping, access to secret sales, or other benefits. Apart from benefits, you have an opportunity to build or improve your credit score when using a store credit card. Most store cards report credit account activity to at least one credit bureau. That's why many consumers start building their credit with a department store credit card.

However, store cards also have disadvantages. As a rule, they come with a bit higher interest rates - even if your credit is good you may still be given a high interest rate. Also, credit limits may not be big enough, so you will need to always keep an eye on them to make sure you do not overspend.

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commentsABOUT
SHOPPING CREDIT CARDS

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