Do you want to know which are the easiest department store credit cards to get with no credit? Well, keep on reading then.
Getting a credit card with no credit history isn’t an easy task. You’ll most likely have to settle with a small limit and high interests. But, you have to start somewhere and build that credit history. If you don’t want to get a credit card (or you can’t get one), getting a store credit card is a good way to go. Store credit cards approval process isn’t so strict and obtaining them should be very easy. Although they have among the highest interests rates, they can be beneficial. Having a store credit card almost always brings some perks, whether it is a discount, cash back or free delivery. These credit cards will not only help you financially, but they will also be great for building your credit history. This is of course if you use them wisely. Make your payments on time and before you know it, you will be able to qualify for a credit card with a better rate. If you are feeling confident in getting there, then check out our article about 5 credit cards with 2% cash back on everything.
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There are a couple of store credit cards you can choose from. Basic store credit cards can only be used with the retailer that issued it and nowhere else. On the other hand, co-branded store credit cards (Visa, MasterCard and similar) can be used in the department store but also anywhere else where these cards are accepted- Of course, for the people who have no credit, basic store credit card is a more realistic option. Also, don’t expect the limit to be high since that greatly depends on your credit history. Store credit cards shouldn’t be confused with loyalty or reward cards that are often issued by retailers.
In order to create our list of easiest department store credit cards to get with no credit, we checked multiple sources for recommendations including First Quarter Finance, My Bank Tracker, Credit Card Forum and Credit Card Insider. All these sources listed department store credit cards that have a reputation of getting approved easily for people with low credit score and those with no credit. To make the final cut for the list, we ranked the store credit cards according to their APR (annual percentage rate) which represents the interest rate you’ll have to pay if you miss out the monthly payment. Let’s check them out.
10. JCPenney
APR: 26.9%
With JCPenney credit card you will not only get a birthday gift but also 5% save on major appliances in selected stores and another 15% on selected products. The more you spend with the department store, the bigger are the rewards.
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9. Macy’s
APR: 26.24%
The opinions are somewhat opposing on the availability of Macy’s credit cards. Although there are some suggestions that their approval can be hard, numerous users reported that they managed to get approved with no credit history, although their limits were around $100. Benefits include surprise discounts on the register and free shipment.
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8. Sears
APR: 26.24%
Approved Sears credit card will enable you to buy at K-Mart as well if there are any left in your near. The benefits are nothing special and include 1% rewards rate and 5% discount on purchases of certain items.
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7. Boscov’s
APR: 21.9% – 25.9%
At number 7 on our list of easiest department store credit cards to get with no credit we have a department store that is currently available in eastern part of the country at 50 locations. Among the many benefits of owning Boscov’s credit card, we should note 15% discount on all purchases made on the same day you have activated the card.
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6. The Bon-Ton
APR: 25.74%
The Bon-Ton offers the same benefits like the majority of previous entries on our list of easiest department store credit cards to get with no credit. The one that is noteworthy is the opportunity of earning a $20 Rewards Card for every 200$ purchase you make.
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5. Belk
APR: 25.49%
Having 300 stores in 16 states, Belk isn’t a small player on the market. If you opt for Belk credit card, make sure you have a major shopping in the plan since the department store will give you 20% discount on all purchases (15% on home and shoe items) made on the day you get the card approved. You’ll also be able to collect points which will transfer into rewards.
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4. Kohl’s
APR: 24.9
Kohl’s credit card will save you 25% when you make your first purchase. Also, you are entitled to 12 special offers per year with discounts ranging from 15% to 30%. We must not forget the 15% additional discount you’ll receive in the mail alongside your card.
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3. Bloomingdale’s
APR: 24.54%
The major appeal of Bloomingdale’s credit card is the fact that you’ll receive free shipping in store and online (under certain conditions of course). You’ll also get 3 points for each $1 spent at Bloomingdale’s, with 5,000 points being transferable to 25$ reward card.
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2. Target REDcard
APR: 23.9%
It looks like the only Target figured they could give some cool name to their store credit card. If you get it, you’ll be entitled to 5% discount and free shipment from Target and Target.com, but with certain restrictions. Also, there is an extended return policy included.
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1. Walmart
APR: 22.9%
Offering the smallest APR, Walmart closes our list of easiest department store credit cards to get with no credit. You probably know everything about it even if your country doesn’t have one including the fact that Walmart is the biggest company in the world based on revenue. But did you know that if you get Walmart credit card and spend $75, you’ll get $25 back? Ok, that doesn’t sound too good, but you’ll save an extra 3% on each online purchases 2% on fuel purchases and 1% on all other. Sounds good if you ask us.
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