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April 2024: Best Shopping Credit Cards

There are two types of credit cards for shopping: store credit cards and general credit cards. Store credit cards are offered by retailers or department stores and, therefore, many store cards are accepted at one retailer only. Regular credit cards are not co-branded with any store or brand and can be used anywhere credit cards are accepted as a method of payment. Both types of credit cards may have various benefits and offer rewards. Store credit cards are often good for people with bad credit and may even offer instant approval. And you can surely find a general credit card for your credit history. Below you will see the best cards for in-store and online shopping.

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Build Your Credit While Shopping

Not all credit cards may come with low interest rates and high credit limits, but most of them allow building credit history if managed responsibly. Retailer store credit cards can be reported to one or three major credit bureaus, and regular credit cards are usually reported to all 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 as you use your credit card for shopping.

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Apply for Perpay - Credit-Land.com

Rating 4.1

APPLY NOW

Any Credit

our choice

Card Type
Marketplace & Credit Builder
Regular APR
0%
Annual Fee
$0
Credit Check
No
Instant Response
No
  • Unlock a $1,000 average Spending Limit instantly.
  • Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
  • No interest, fees, or credit check.
  • Pay over time with easy payments from your paycheck.
  • Shop and build credit by 36 points on average.

our choice

Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Build Credit

Shop and build credit by 36 points on average.

Apply for Masseys Credit Card - Credit-Land.com

Rating 3.5

APPLY NOW

Excellent / Good / Fair / Bad Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
See terms
Annual Fee
$0
Credit Check
Yes
Instant Response
Yes
  • Buy Now and Pay Later with Masseys Credit
  • Grow your credit with responsible use
  • Masseys Credit Lines Up To $500!
  • No annual fee
  • Payments as little as $5.99 per month
  • Conventient online account access

our choice

Annual Fee: $0

Instant Response

Apply for Freedom Gold Card - Credit-Land.com

Rating 3.5

APPLY NOW

Damage credit to Fair credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
  • *See site for details

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

No Credit Check

Apply for Katapult - Credit-Land.com

Rating 3.8

APPLY NOW

Any Credit

our choice

Card Type
Unsecured
Regular APR
See terms
Annual Fee
See terms
Credit Check
No
Instant Response
No
  • Real purchasing power. Up to $3,500 in lease pre-approval, based on your individual plan.
  • Fast approval. Get a decision in 5 seconds or less.
  • Zero surprises. Total transparency. Never a late fee–ever. 
  • No credit required. Our AI looks deeper to understand your journey.
  • Hyper-flexible purchase plans. Pay over time, purchase anytime. 
  • Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on Trust Pilot.

our choice

No Credit Check

Unsecured Credit Card

Build Credit

Apply for Sezzle Card - Credit-Land.com

Rating 4.4

APPLY NOW

Any Credit

our choice

Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Pay for your purchases in 4 installments over 6 weeks with 0% interest or choose to pay monthly.
  • Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!
  • Pay in 4 and Build Credit.304
  • Activate the Sezzle Virtual Card and start paying with select retailers online and in-store.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

No Checking Account Required

Apply for Vast Platinum - Credit-Land.com

Rating 3.8

APPLY NOW

Any Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
  • 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% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

Apply for BOOST Platinum Card - Credit-Land.com

Rating 3.5

APPLY NOW

Damaged credit to Fair credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
None
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
N/A

Ongoing APR on Purchases:
None

Instant Response

No Credit Check

Apply for Unique Platinum - Credit-Land.com

Rating 3.7

APPLY NOW

Any Credit Welcome
This offer is not available in Indiana, Vermont, Wisconsin.

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See Terms
Credit Check
No
Instant Response
Yes
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • *See terms and conditions

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

Guaranteed Approval

No Credit Check

Apply for Net First Platinum - Credit-Land.com

Rating 3.7

APPLY NOW

Damaged credit to Fair credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
  • *See Card for Details

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0%

Instant Response

No Credit Check

Apply for Deluxe Signature - Credit-Land.com

Rating 3.8

APPLY NOW

Bad/No Credit

our choice

Card Type
Unsecured Store Credit Card
Regular APR
0%
Annual Fee
N/A
Credit Check
No
Instant Response
Yes
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!

our choice

0% 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 Next Millennium - Credit-Land.com

Rating 3.8

APPLY NOW

Bad/No Credit

our choice

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

our choice

0% 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

SHOW MORE CARDS

Freedom Gold Card

Damage credit to Fair credit
Apply for Freedom Gold Card - Credit-Land.com

Rating 3.5

APPLY NOW

SHOP WITH NO HIDDEN FEES:
get in April 2024

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
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?

Ask our Experts and get free advice to your email!

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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