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Department Store Credit Cards For Poor Credit. Although secured cards for bad credit are fairly easy to get you can also get an unsecured card despite a bad score. That said if youre approaching Christmas or a big birthday and want to earn a little extra on the purchases youre going to make anyway a department store credit card at least offers access to a wider range of products than the typical store card. They are backed by Visa Mastercard American Express Discover or another major credit card company. The sign up bonus for this card offers 5 off of purchases every time you use the card at Target.
The easiest department store credit card to get approved for is the Fingerhut Credit Account but thats only if you count an online retailer mail catalog as a department store. Store credit cards do tend to be easier to get than cards you can use anywhere though. Your typical retail credit card can only be used to purchase goods from the particular brand for which the card is issued. You can also receive free coupons rewards and savings. But this could be a problem if youre planning to use a store card for everyday purchases. The bright lights glossy counters and whimsical window displays have a way of luring shoppers in to buy their name-brand products.
The Target REDcard is another of the best department store credit cards for bad credit or department store credit cards for poor credit.
Sears credit card 5. The Kohls Charge Card doesnt provide purchase rewards but it does provide exclusive cardholder offers and discounts each month that can be used in-store or online. Pros of using a store card for bad credit. Thats not necessarily a bad thing as youll typically earn the best rewards directly with that retailer. For example the Fingerhut credit account can only be used to purchase. Store credit cards do tend to be easier to get than cards you can use anywhere though.