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This question is about Store Credit Cards
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Bianca Smith, WalletHub Credit Cards Analyst
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The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.
On the other hand, store-only credit cards generally require fair credit or better for approval. These cards are a good option for people loyal to a particular brand, since they can usually only be used at the retailer they are associated with. Store-affiliated credit cards with stricter approval requirements can typically be used anywhere, though they might offer better rewards for purchases at their respective brand.
Hardest Store Credit Cards to Get
Excellent credit needed:Costco Anywhere Visa® Card by CitiCostco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website- Excellent credit needed:West Elm Credit CardWest Elm Credit CardLearn MoreLearn More
- Excellent credit needed:Pottery Barn Credit CardPottery Barn Credit CardLearn MoreLearn More
- Excellent credit needed:Williams Sonoma Credit CardWilliams Sonoma Credit CardLearn MoreLearn More
- Good credit needed:Amazon Credit CardAmazon Credit CardLearn MoreLearn More
- Good credit needed:Best Buy® Credit CardBest Buy® Credit CardLearn MoreLearn More
You can check out store credit card offers from hundreds of retailers on WalletHub.
This answer was first published on 02/07/22 and it was last updated on 03/25/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
- Excellent credit needed:Costco Anywhere Visa® Card by CitiCostco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- Excellent credit needed:West Elm Credit CardWest Elm Credit CardLearn MoreLearn More
- Excellent credit needed:Pottery Barn Credit CardPottery Barn Credit CardLearn MoreLearn More
- Excellent credit needed:Williams Sonoma Credit CardWilliams Sonoma Credit CardLearn MoreLearn More
- Good credit needed:Amazon Credit CardAmazon Credit CardLearn MoreLearn More
- Good credit needed:Best Buy® Credit CardBest Buy® Credit CardLearn MoreLearn More
You can check out store credit card offers from hundreds of retailers on WalletHub.
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2024's Best Store Credit Cards
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The Macy's Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Macy's Store Card.
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The Bank of America® Customized Cash Rewards Secured Credit Card is the best credit card with nearly guaranteed approval that can give you a $5,000 credit limit. It accepts applicants with bad credit, and you can place a refundable security deposit of up to $5,000 for a credit limit equal to the amount you put down. The Bank of America® Customized Cash Rewards Secured Credit Card also gives 1 - 3% cash back spent on purchases, and it has a $0 annual fee.
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Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Macy's Store Card, Amazon Credit Card, Best Buy® Credit Card, West Elm Credit Card, Williams Sonoma Credit Card, Pottery Barn Credit Card, TJX Credit Card, Bank of America® Unlimited Cash Rewards Secured Credit Card, First Tech Federal Credit Union Platinum Secured Mastercard®, Bank of America® Customized Cash Rewards Secured Credit Card, Chime Credit Card, U.S. Bank Cash+® Visa® Secured Card, Bank of America® Travel Rewards Secured Credit Card, Capital One Walmart Rewards® Mastercard®, and Instacart Mastercard®.
Popular Credit Cards for Shopping
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Prime Visa
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Capital One Walmart Rewards® Mastercard®
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Costco Anywhere Visa® Card by Citi
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Instacart Mastercard®
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Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Macy's Store Card, Amazon Credit Card, Best Buy® Credit Card, West Elm Credit Card, Williams Sonoma Credit Card, Pottery Barn Credit Card, TJX Credit Card, Bank of America® Unlimited Cash Rewards Secured Credit Card, First Tech Federal Credit Union Platinum Secured Mastercard®, Bank of America® Customized Cash Rewards Secured Credit Card, Chime Credit Card, U.S. Bank Cash+® Visa® Secured Card, Bank of America® Travel Rewards Secured Credit Card, Capital One Walmart Rewards® Mastercard®, and Instacart Mastercard®.
