Store credit cards that are easy to get approval for
Some departmental stores offer credit cards to their customers. Their customers can use these cards to shop at discount prices. If you are planning on shopping at certain stores frequently, you may want to consider getting their credit card. Sometimes it can be difficult to get these credit cards, especially if you have bad credit. However, some shops have made it easy and you can even get instant approval if you meet their requirements. Here is a list of stores offer easy approval.
Bon-Ton includes Younkers, Herberger’s, Boston Store, Carson’s, Elder Beerman, and Bergner’s. Their credit card offers attractive incentives such as free shipping on items bought online. They also offer double rewards, future rewards, and you can also look forward to a wide range of rewards. The Annual Percentage Rate (APR) on this card is about 25%, however, there is no annual fee. You will need a credit score of 550 and below to apply for this card. You can only shop at Bon-Ton shops since this card offers only closed loop services. When you use this card, make sure you make payments on time. If you miss payments, you will be asked to pay late payments fees. This fee can be up to $37. If you meet all the requirements, your credit card application will be approved instantly.
Belk offers between 15% and 20% off purchases when you use the store credit card. You will also get to enjoy free returns on purchases, and reward dollars. You can spend these reward dollars in their store. Other incentives for store card holders include coupons and future deals. There is no annual fee when you get this card but the APR is about 25%. You are expected to pay back your credit on time. Failure to pay on time attracts late payment fees. When you miss a payment for the first time, you will pay $27 but subsequent missed payments attract a late payment fee of $38. You will a credit score of 550 and below to apply. When you meet all their requirements, you will get approved instantly. This card is only accepted at Belk shops.
If you shop frequently at Dillard’s, you should sign up for the Dillard’s store credit card. The card allows you to save more on purchases. You will get 10% off on the next purchase after spending $1500. You can also receive a $10 bonus on purchases when you spend $1500. You will also enjoy 10% off the first statement after spending $100. For the APR, you will pay the US prime rate and a rate that ranges from 7% to 22%. You will not pay annual fees but if you make late payments, you will pay a late fee of $37. Late payments may also attract other fees aside from the $37. You can use this card to shop at other places since it is an open loop through American Express. You will need a minimum credit score of 700 to qualify for this card. You can apply for this card by visiting the store or by mail. When you meet the requirements for this card, you will get instant approval after your application.
Boscov’s card is another card that is worth mentioning because you can get instant approval on card applications. You should get the card when you are ready to make purchases because there is an offer right after you activate the card. You will enjoy 15% off all purchases on the day you activate the card. You will also get to enjoy rewards on your birthday and you will also be given future coupons when you make purchases. If you shop here frequently, you shop consider buying all your cosmetics and fragrances here. Boscov’s offers double points on cosmetic and fragrance purchases. The APR on this card is about 27% but there is no annual fee attached to this card. Late payments attract a penalty of $38 and $25 for returned payments. Unfortunately, you can use this card at Boscov’s shops only. If you have a credit score of 550 and below, you can apply for this card. Your application will be approved instantly if you meet their requirements.
With Kohl’s, you get to enjoy 12 discount offers throughout the year. You will also get 25% discount off all purchases you make on the day you activate the card. You also get free shipping offers, future coupons, and discounts. There is no annual fee, but you will pay a late fee up to $37 if you miss payments. If you have a maximum credit score of 550, you can apply for this card. The APR on this card is 24.24%. Unfortunately, you cannot use the Kohl’s card to shop at any other shop. The good thing about this card is that you will get approved instantly when you meet the requirements for this card.
Macy’s offers you 20% discounts on purchases you make on the day you activate the card. The discount is also available for purchases you will make on the next day. You also get to enjoy free shipping on items worth $50 and above. When you make more purchases, you get to enjoy more discounts. The APR on this card is 26% but there is no annual fee. You can pay a late fee up to $38 and you will also pay up to $38 for return payments. This card offers both open and closed loops. It is open through American Express. The APR requirement for this card is quite high; you will need a minimum credit card of 700. You will receive instant approval when you apply for this card provided you qualify for the card.
This store credit card allows you to enjoy 15% off on your first purchases. You will also get 5% off purchases made on major appliances. Modern Bride Diamond Vault also gets 5% off. Other incentives include future coupons and designated no-interest purchase periods. You will also get to enjoy in-store offers. The APR charge on this card is 27% and there is no annual fee. You will need to make payments on time since this card becomes expensive when you miss payments. You will be charged late fees up to $38. Unfortunately, you cannot use this card to make purchases at other department stores. You will need a maximum credit score of 550 to apply for this card. You will be instantly approved for this card if you qualify.
Nordstrom will offer you $20 for every $100 spent and 2 points for every dollar spent. You will also enjoy access to Nordstrom anniversary sale even before it opens to the public. The APR on this card is 24%. You will not need to pay an annual fee. You will pay up to $38 as a penalty if you miss payments and the returned payment fee is $25. Both open and closed loops are available when you use this card. You will need a minimum credit score of 700 to qualify. The Nordstrom store card is also instant if you qualify for the card.
- Neiman Marcus
Neiman Marcus includes Bergdorf Goodman and this store offers credit cards to its customers. With this credit card, there are no annual payments such as annual fees. when you make purchases on the day you activate the card, you will earn 5,000 bonus points on your purchase. You will be given a $100 coupon for every 10,000 points earned. You will also get to enjoy some interest-free periods and free two-day shipping. You can only shop at this shop with your card. The APR you will pay on this card is 25% but you will need a credit score that ranges from 650 to 749. Your card will be given to you instantly when you qualify for the card. if you are unable to pay up on time, you should be ready to make late payments. Late payments can be up to $35 and returned payment attracts fees of $25.
- Saks Fifth Avenue
Saks Fifth Avenue has attractive incentives for customers who sign up for their credit card. Cardholders get to enjoy 10% off their first-day purchase. there is also an opportunity for you to earn up to six points per dollar spent. When you are able to accumulate 2500 points, you will receive $25 gift card. This card allows you to shop at other shops since there is an open loop through MasterCard. You will only get access to member-only events and you will not pay foreign transaction fees when you use your card to shop at other shops. You will need a credit score from 650 to 699 to apply for this card. The APR on this card is 25% and you can pay up to $35 as a penalty if you miss payments. You will also be asked to pay $25 for return payments. If you sign up for this card, you do not need to worry about annual fees. You will also get approved instantly when you meet their requirements.
The TJX card can be used at Marshalls, TJXMaxx, Sierra Trading Post, and Homegoods. This card allows you to enjoy 10% off all purchases you make on the day you activate the card. You will also receive $10 in rewards when you spend $200. There are unlimited opportunities for you to earn rewards when you use this card. The APR on this card is 28% but there is no annual fee. Non–payment of balances attracts penalty fees; you can pay up to $35 as penalty fees. You will need a minimum credit score of 700 to qualify for this card. both closed loops (through MasterCard) and open loops are available. When you qualify you this card, you will receive an instant approval when you sign up.
Sears card allows you to shop at Kmart. When you sign up for this card, you will get 30% of the purchases you make on the first day. You will also earn 10% in points for future purchases. Sometimes, you enjoy interest-free transactions, discounts, and future coupons. The APR on this card is 26% and there is no annual fee charge on this card. You should make an attempt to pay up your balance on the due date so that you do not end up paying late fees. Late fees can go up to $37. There are both closed loops and open loops available for the Sears card. You will need a minimum credit score of 700 to apply for this card. You will also get instantly approved for this card is you meet the minimum requirements for the card.
It is easy to get an Amazon card and there are also several saving opportunities when you use the Amazon card to shop. You will receive a free gift card when you sign up for the card. You will also receive 5% off every transaction and you will not foreign transaction fees. The APR will depend on your credit score, however, it ranges from 15% to 23%. You will not pay annual fees but if you do not pay your balances on time, you can pay up to $35 as a penalty for late payments. Both open and closed loops are available. To apply for this card, you will need a maximum credit score of 550 to qualify for this card. Amazon offers instant approval to qualified customers who apply for the card.
Store credit cards are great opportunities for you to save even while you shop. However, you can only enjoy the benefits of the card if you shop frequently at that shop. You should consider the frequency at which you shop at one particular store before you decide to go in for their card. These shops charge high APRs on their cards and high late fees. If you are someone who cannot keep up with payments, it is better not to go for store cards because you will just end up accumulating debts.