The 12 Best Easiest Department Store Credit Card

Most department stores offer store credit cards that help their customers get a credit line to get benefits they can use in specific stores. Although some of the stores reserve their credit cards for individuals with high credit scores, it makes it difficult to get a store card. It is vital to first get approval before you can benefit from the department store credit cards.

There are many options available for people and you can get benefits and rewards regularly when you have the store credit card. Some department stores will still give you a credit card even with bad credit and you can also enjoy some specific rewards available for the customers. Before you apply, you need to ask yourself what is the easiest department store credit card to get. This will help you know which one you will qualify and benefit more from.

The 12 Best Easiest Department Store Credit Card

Easiest Department Store Credit Card

If you have considered applying for a department store credit card, you need to ensure that there are minimal barriers. Certain cards can seem appealing because of the rewards, but for you to qualify, you will need to have a good credit history. You also need to ensure that you will not jump through too many hoops to get the card you desire.

The following are the easiest department store credit cards to get:

1) Macy’s American Express Card

If you have been a loyal customer at Macy’s, you know that you never want to miss a sale. The Macy’s American Express card will ensure that you get rewards from gas, restaurants, and supermarket transactions. The accrued points are redeemable, and you can get real rewards when you are using the card.

If you are a regular user of the card, you will earn 20% off purchases for the first two days after signing up for the card. The yearly rewards are an average of $263, and the points you accrue will be valid for the next two years. You can redeem rewards with other retailers like AT&T, Rite-aid, and Mobil. You can apply for this card even if you have dealt with bankruptcy and also if you have poor credit scores. With the credit card, you will not pay any yearly fee, and the APR is 25.24%.

2) Kohl’s

The Kohl’s credit card will allow you to access exclusive discounts and early sales offer throughout the year. The card comes with several offered from 15 to 30% discounts and saving all through the year. If you have been approved, you will also get a 15% discount off, on your next purchase. Spending at least $600 during the year, you will join the most valued customer program and get even more discounts.

To qualify for this card, you need a FICO score that is in the mid-600s. when you are a cardholder, you can return purchases you have made using the kohl department store credit card without a receipt.

3) IKEA Visa Credit Card

With the IKEA credit card, you can earn an average of $251 in rewards. When you enroll in the family program, you will get price protection, free beverages, and birthday gifts from the locations that are participating in the program.

if you are a loyal shopper with IKEA, you will be able to get more rewards and cash rewards at IKEA locations, supermarkets, utility providers, and participating restaurants. All cardholders can redeem the rewards as soon and they are accrued and they come in $15 increments. This card does not have any annual fees and the APR is a regular 21.99%.

4) Walmart

If you would like to apply for a Walmart department store credit card, you first should have a account. If you are looking for the master card version, you will need to go through many more steps before you get approved. The store version credit card is easier especially if you do not have the best credit because they are a bit lenient when it comes to FiCO score criteria.

You can get the store card and continue building your credits so that you can get more from the store and other lenders. It is possible to access the application online and the points you will get will benefit you in future purchases. The reward system is tiered with the highest spenders benefiting more and getting a bigger reward variety.

5) Gap Visa Card

For individuals who love to shop and the Gap, it is easy to get big-time rewards for all types of transactions. The store credit card allows you to earn rewards from other locations like old navy, athlete, and also at banana republic. You will get a sign-up bonus of 20% savings within the first 90 days after you activate your card. A 5% reward is offered for other purchases so that you can shop more.

With this card, you will not pay a yearly fee and it has a regular APR of 27.74%. There are discounts on the store’s current promotions and you can save more when you shop at the Gap.

6) Saks Fifth Avenue

Many people love to shop at Saks Fifth Avenue and it is just ideal to get the store credit card so that you can get rewards and discounts. You will have access to exclusive events and other benefits like free shipping and many more. While you are earning points on the purchases you make, you will get more news on any upcoming promotions so that you can save more.

The points can be redeemed for gift cards and purchases for other places. This reward system is indifferent tiers and the higher you are the more awards you will get. Apart from that, you will also get other perks like free valet parking, notice on sales, fashion consulting, and catalog mailings.

7) My Best Buy Visa Card

When you are asking yourself what is the easiest department store credit card to get for electronics, this is the ideal place. The store offers you rewards and discounts when you buy using the Best Buy Visa Card. You can choose to be a member of the different tiers available when you apply. The highest tier is the elite plus which will give a regular customer a better cashback percentage.

There is no annual fee with this card and the points you will get will not expire as long as you keep our account active for 12 months. You will get 5% cash rewards in-store purchases and elite users will get 6% cashback. There is also 3% cashback on gas and 2% for grocery and dining. Other purchases will give you a 1% cashback reward.

8) Nordstrom

The Nordstrom credit card offers a four-tiered reward program so that you can choose the easiest one for you. You can select a choice between retail and visa signature cards and get awards for the purchases you make at Nordstrom. When you are a cardmember, you can redeem points for $20 to use to purchase items at the store. For holiday events, VIP stores even access and access to special travel experiences, you can apply for a higher tier. But if you do not qualify for the higher tiers, you can still get other cards and earn rewards with triple points on certain days.

9) Bed Bath & Beyond

If you frequent Bed Baths & Beyond, you can use a department store credit card to get rewards. The MasterCard offers you the chance to earn up to $300 yearly in rewards. You can get rewards certificates in $10 increments when you accrue up to $1000 points. The reward points are offered for both in-store and external transactions like in cost plus world market and buy baby.

This card features a low starting APR because it is a variable between 15.74% – 25.74%. The annual fee is $0 and the rewards you will get with this card will continue to stack up because they do not expire. When you are using this credit card, you can register transactions and repay the balances at a pace comfortable to you.

10) Menards BIG Card

For people who love to buy home improvements items, this is the best department store credit card to use. You can easily apply for it and there are sign-up bonuses when you activate the card. There are no annual fees and the rebate checks you acquire will not expire.

If you have this card, you can combine the rewards with the discounts you are getting so that you have bigger savings to use on online and in-store purchases. You will earn 2% cashback on Menards purchases and 1% on other purchases with unlimited rebates redeemable at any Menard store physical or online.

11) Sears

If you have a FICO score of 680 and above, you can be sure that you will get approval for Sears Citi branded card. But you can still apply with a lesser score because you might get a credit card even with no credit history. There are a wide variety of products offered by the store and you can get more rewards from purchasing items. Many retailers are on the list with more being added every time so it is easy to use the card for several purchases. You can also benefit from monthly savings and get advanced notices through email.

12) Old Navy

With the Old Navy Visa Card, you will be able to earn rewards while shopping at banana republic, athlete, and gap. You can get your hands on the newest clothing from any of the stores without paying an annual fee. A sign-up bonus of 20% off the initial purchase is offered to new cardholders and the rewards you will get after this are also steep. You will get five points for every $1 you spend in-store and also online with access to earn more with promotions.

Learn More: The 10 Best Cheapest Credit Card Processing For Small Business

How to Choose a Department Store Credit Card?

When you are choosing a department store credit card you need to be sure that it is the right fit for you. This is because you need to ensure that you benefit from the reward program and also easy for you to pay back. Remember that your decision and the actions you take will affect your credit history. The following are some things to consider when applying for a department store credit card:

  1. Ensure that you are applying for a credit card from a store that you are regular in. this is because the more you shop the more rewards you will get.
  2. Check the fees and ensure that you can afford them before you apply for the card
  3. Always read the terms and conditions of the credit card carefully before you apply because you do not want to be blindsided once you start using the card.
  4. Keep in mind the rewards that you get for purchases and if they are worth shopping in the store. You should also ensure that you will get rewards if you are shopping online if you like doing so.
  5. Ensure that you qualify for the card before you apply especially if you are looking to get a higher tier.
  6. Check the shop locations and other stores that the card will allow you to use it. this way, you can use the card more often and earn more rewards.

There are many things like bonuses and other awards that are available with different department store credit cards. It would be best if you check any other offers that the store will give you as VIP passes on sales, free parking, and many more that you get when you have the card.


Before you decide on the credit card of your choice you need to ask yourself; what is the easiest department store credit card to get. After this, you can start looking at the different credit cards and carefully check the terms and conditions to find what suits you. Remember to choose from a store that you frequent because this will help you earn more reward points. Keep in mind that the way you use the credit card will also have an impact on your credit rating so make sure that you can afford the payment.