Depending on the credit card, the plastic card isn’t always mailed to you before you can use it for the first time. Instant credit card use is now available from several of the largest issuers. And at least one company, American Express, gives customers instant access to their credit card details upon card approval for both credit and charge cards. Store cards, airline credit cards, and hotel credit cards are examples of branded cards that frequently provide instant approval for credit. Below, we’ll look the best store credit cards with instant approval in 2023.

Store Credit Cards With Instant Approval

Major store credit card issuers typically give instant approval, in contrast to credit cards that advertise “immediate use upon approval” and instant access to the credit limit following approval.

#1. Blue Cash Preferred® Card from American Express

The American Express Blue Cash Preferred® Card offers a $250 bill credit if you spend $3,000 on purchases with your new Card within the first six months of use. Laws are in effect. This credit card has a $95 annual fee after the first year is free, and it also has a tempting 0% intro APR offer: 0% intro APR for 12 months on purchases and debt transfers, followed by an APR of 17.74%-28.74% Variable APR. Additionally, it provides an industry-best 6% cash back on purchases made in American supermarkets up to $6,000 yearly and 6% cash back on streaming subscriptions.

#2. Chase Sapphire Preferred® Card

Frequent travelers who want benefits without paying the astronomical fees associated with ultra-premium cards generally choose the Chase Sapphire Preferred® Card. After spending $4,000 in the first three months after opening your account, you will receive 60,000 bonus points. You can get $750 toward vacation by using your Chase Ultimate Rewards®.

Additionally, you will receive 5 points for every $1 spent on travel reservations made through Chase Ultimate Rewards®, 3 points for every $1 spent on meals (including delivery and takeout), 2 points for every $1 spent on other travel-related purchases, and 1 point for every $1 spent on all other transactions. When using Chase to make travel arrangements, each point is worth 1.25 cents. Additional benefits include travel insurance, the option to transfer points to airline and hotel partners, and a $50 yearly credit on hotel bookings made through Chase.

#3. United℠ Explorer Card

Want to purchase a ticket and receive priceless airline benefits and a sizable welcome bonus? You can do it thanks to the UnitedSM Explorer Card. Earn 60,000 extra miles after spending $3,000 in the first three months. Your account is active to receive a sizeable sign-up bonus. If you apply for the card before boarding a United flight, you can benefit from its added benefits while you’re away, including two one-time-use access to United Club lounges, a free checked bag, and 25% off in-flight purchases.

For all other purchases, you will only receive 1 mile; however, for purchases made directly from United, in restaurants, and at hotels, you will receive 2 miles. The card also includes a $100 credit that can be used to pay the $100 application fee for Global Entry or TSA Precheck, both of which need to be renewed annually.

#4. SoFi Credit Card

The SoFi Credit Card has a few unusual characteristics, although it initially appears to be a typical cash-back credit card. If you’re a SoFi member, you can put your rewards in any combination of savings accounts, virtual currency, securities, or all three.

Additionally, if a SoFi loan qualifies, you can use your incentives to pay it off. You’ll effectively get back 2-3% of your initial investment. The 1% APR reduction after 12 on-time payments is a fantastic bonus (other redemption alternatives, including bill credits, redeem at a lesser rate).

#5. Bank of America® Premium Rewards® credit card

The Bank of America® Premium Rewards® credit card offers 1.5 points for every dollar spent on other transactions and 2 points for dining and travel. Benefits, including a $200 travel statement credit, help offset the $95 yearly cost.

Additionally, new cards can receive 50,000 online bonus points worth $500 after spending a minimum of $3,000 in the first 90 days after opening their account. Depending on the balances in your qualified accounts, the bank’s Preferred Rewards program will increase your earning potential by 25% to 75%.

#6. Visa Signature Card with Amazon Prime Rewards

A high rewards rate of 5% on purchases made at Whole Foods Market and Amazon, 2% on purchases made at restaurants, gas stations, and pharmacies, and 1% on all other purchases are offered with the Amazon Prime Rewards Visa Signature Card. The rewards, which have a value of one cent apiece, may be used to pay for eligible purchases made on, to obtain statement credits, or to make deposits into pre-approved bank or savings accounts. Even if the card is useless, eligibility requires an Amazon Prime membership.

What Is the Easiest Stores Credit Card to Get?

The most accessible instant credit card to get includes:

  • Blue Cash Preferred® Card from American Express.
  • Bank of America Alaska Airlines Visa Credit Card.
  • Capital One Platinum Secured Credit Card.
  • OpenSky® Secured Visa® Credit Card.
  • Digital First Card.
  • United℠ Explorer Card.
  • PayPal Cashback Mastercard.
  • Costco Anywhere Visa® Card by Citi.

Store Credit Cards with Instant Approval for Bad Credit

Like any other credit card, most department store cards will improve your credit. This results from the payment history reported by the three main credit bureaus, Equifax, Experian, and TransUnion. There are several benefits to selecting this course if you’re trying to rebuild your credit history. Because store cards frequently have smaller credit limits, you won’t have to worry about exceeding your credit limit. Furthermore, despite their exorbitant prices, you may be entitled to discounts at many of your favorite department stores.

#1. The Gap

You will get free shipping on your first purchase when approved for a Synchrony Bank Gap credit card, in addition to a 20% discount. You may shop at Gap, Old Navy, Banana Republic, and Athleta while accruing points using the Gap card. The points, however, are only redeemable at Gap stores. You can earn five reward points for every dollar you spend in-store or online. Five dollars will be given to you after you get 500 points. When you use your Gap card to make purchases at any Gap shop, you’ll also receive an additional 10% off.

#2. Costco

The Citi Costco Anywhere Visa® Card has the key benefit of allowing you to make transactions outside of Costco. Credit card is accepted everywhere that accepts Visa. You could begin receiving the following cash-back benefits with this card:

  • You pay 4% of the first $7,000 you spend on gas and 1% of the rest.
  • 3 percent off dining and travel
  • There is a 2% discount on almost everything at Costco.
  • Everywhere else, 1%

#3. Nordstrom

The credit card that Nordstrom offers comes in two different variations. The other can be used elsewhere, whereas the first can only be used at Nordstrom. However, if your credit is bad, you’ll probably have to start with the Nordstrom store credit card because it offers fewer rewards. When you spend $100 or more on the same day you sign up, you will get a $40 rebate. Additionally, you will receive three reward points for every dollar spent.

#4. Kohl’s

You can save 35% on your initial purchase after being approved for a Kohl’s credit card. Additionally, as soon as your credit card is received in the mail, you’ll get a coupon for 15% off. The Kohl’s card doesn’t offer any purchase incentives, though. Instead, each year you get 12 “special bargains.” However, because you can still receive additional discounts of 15% to 30%, these special offers are still rather appealing.

#5. Macy’s

The day you open a Macy’s store credit card or the day following, you’ll receive 20% off. Despite the fair discount, the overall savings only amount to $100. Macy’s offers a tier-based rewards program to reward credit card members. Your annual spending must be at least $499 to qualify for the Silver level. You may use Star Passes to get a 25% discount on your purchase. You can upgrade to a Gold membership if your annual spending is $500 or higher. You’ll then receive free shipping and a unique birthday promotion. Additionally, if your annual expenditure exceeds $1,200, you’ll be eligible for the Platinum level. By doing this, you receive 5% cash back on all goods from Macy’s.

#6. Dillard’s

You stand a high chance of getting approved for a Dillard’s card if you have at least fair credit. But even if you have bad credit, you might get accepted. With this credit card, you can earn two reward points for every dollar you spend at Dillard’s. You can select between a 10% off coupon and a $10 off coupon after you reach 1,500 points.

Department Store Credit Cards with Instant Approval

Indeed, department stores are enticing. Bright lighting, gleaming countertops, and eye-catching window display all draw shoppers in and convince them to purchase name-brand goods. Most department stores now offer store credit cards that appear to unlock exclusive benefits and discounts, which increases their allure.

Having your credit card application rejected due to bad credit is not very tempting. But don’t worry—most retail credit cards aren’t as favorable as they first appear to be. Store cards are limited to making branded purchases or taking advantage of their promotions and usually have hefty APRs.

#1. Fingerhut credit card

Most Fingerhut, credit card users sign in to their accounts to make payments, check balances, see reward points, and review statement histories. To access their credit cards, certain credit card issuers provide applications that may be downloaded from the Apple iPhone app shop, Google Play store and Android app market. WebBank is the source of the Fingerhut Credit account application.

#2. Visa Credit Cards

According to Via, the top payment brand in the country. More than 500 million Visa credit cards are in use nationwide, and for good reason. Consumers spend $14.60 out of every $100 on Via brand products. Visa provides a range of credit cards for both individual consumers and businesses. a well-known credit card issuer today thanks to its distinct business model, emphasis on security, and potent card options. One of the most often utilized credit cards is through. Visa cards are accepted for payment in more than 150 countries worldwide. Visa is accepted at more than 20 million establishments worldwide.

Top-notch security on the Visa card

Visa makes a lot of effort to give its cardholders trustworthy security. This system’s “Continuous Monitoring” technique is a crucial component. The application is capable of quickly identifying unusual card transfers. Purchases that are more expensive than usual or whose shipping address differs from their billing address are included. The cardholder’s name, birthdate, and social security number are also discovered. If you’ve been the victim of identity theft, Visa provides free help and counseling.

Visa’s security features

Another security component of Visa credit cards is the three-digit code. The CW2, or Cardholder Verification Value, is a code found on the back of the card. When making purchases, information can be provided. It ensures the cardholder uses the right credit card when something is bought. The action is immediately investigated if the number does not match the one saved in the system.

#3. Horizon Gold

You can apply for an unsecured, subprime credit card using a Freedom Gold Card without having your credit report pulled. Suppose a member is 18 years or older, a legal United States resident, and has supplied valid identity and application information. In that case, they will obtain our Freedom Gold Card with an initial credit limit of $500.

Horizon Gold Credit Card

As long as they are 18 years of age or older, a legal US resident, and have submitted accurate identity and application information, members of Horizon Gold are guaranteed to get an initial $500 credit limit. Call 1-800-837-4997 if you have any queries or worries regarding your Horizon Gold credit card. A customer service agent is ready to help you right now.

Billing Information

The minimum amount due is stated on each printed statement and each electronic bill, and both must be paid. All payments shall be made by the due date specified on the print statement or electronic bill. Owners of accounts with Horizon Card Services are in charge of keeping their email addresses up-to-date and accurate.

#4. Instant Credit Cards

Do you need a credit card right away? The standard credit card has always been a speedy one. Most people who apply for credit cards prefer rapid approval because it enables them to use their cards immediately rather than waiting for a letter informing them that they were accepted. Nowadays, there are so many online credit cards that it is possible to get accepted immediately and start making transactions.

What Store Cards Can I Pre Qualify For?

Best credit cards that don’t require a hard pull for preapproval

  • OpenSky® Secured Visa® Credit Card.
  • Capital One Platinum Credit Card.
  • AvantCard Credit Card.
  • Deserve® EDU Mastercard for Students.
  • Capital One QuicksilverOne Cash Rewards Credit Card.
  • Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
  • Upgrade Cash Rewards Visa®

What Credit Score Is Needed for a Store Credit Card?

Store credit cards are excellent for establishing credit at a cheap cost because they often have $0 annual fees and are accessible to those with credit scores of 640+.

Which Store Cards Are Easiest to Get?

Some of the simplest credit cards to obtain are listed below:

  • Target Credit Card: For people with fair credit. …
  • Walmart® Store Card: For people with fair credit. …
  • Kohl’s Credit Card: For people with fair credit. …
  • JCPenney Credit Card: For people with fair credit. …
  • Fingerhut Credit Account: For people with bad credit.

What Credit Score Do You Need for Kohls’s Credit Card?

The minimum credit score needed for Kohl’s Credit Card is 640. This means that Kohl’s Credit Card applicants can be accepted if they have better credit.


The APRs on several of these store cards are illogical. Using a department store credit card from a bank like Comenity or Synchrony is the most excellent approach to raising your credit score. Make sporadic small purchases to finish up the balance after that. By doing this, you can prevent accruing interest charges and having an amount you won’t be able to pay off in full.

Make sure you know the terms and restrictions of the department store credit card you choose. Please complete your monthly bill payment on time to prevent late fees or having your account turn over your collections. Check out these secured credit cards if you can’t get approval for store credit cards.


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