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July 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 July 2020

Rating 3.5

  • 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 Freedom Gold Card - Credit-Land.com

Rating 3.5

APPLY

Damage credit to Fair credit

our choice

Card Type
Unsecured Store Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See website for Details*
  • $500 Unsecured Credit Limit
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK
  • See website for Details*

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 Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Card Type
Unsecured
Intro APR on Purchases
N/A
Regular APR
24.99% – 29.99%
Annual Fee
$75 - $99
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Unsecured Credit Card

Apply for Next Millennium - Credit-Land.com

Rating 3.8

APPLY

Bad/No Credit

our choice

Card Type
Unsecured Store Card
Intro APR on Purchases
N/A
Regular APR
0%
Annual Fee
N/A
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
N/A

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

Reporting to the Major Consumer Reporting Agencies

Apply for Independence Gold Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Card Type
Unsecured Store 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

our choice

Card Type
Secured
Intro APR on Purchases
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Net First Platinum - Credit-Land.com

Rating 3.7

APPLY

Damaged credit to Fair credit

our choice

Card Type
Unsecured Store Card
Intro APR on Purchases
n/a
Regular APR
0.00%
Annual Fee
See website for Details*
  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications

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 Vast Platinum - Credit-Land.com

Rating 3.75

APPLY

Any Credit

our choice

Card Type
Unsecured Store 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 Evolve Card - Credit-Land.com

Rating 3.8

APPLY

Any Credit

our choice

Card Type
Unsecured Store 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

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

Rating 3.5

APPLY

Bad Credit

our choice

Card Type
Unsecured Store 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

Next Millennium

Bad/No Credit
Apply for Next Millennium - Credit-Land.com

Rating 3.8

APPLY

0% APR FOR BAD CREDIT:
get in July 2020

  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
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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