Department Store Credit Cards
44 of the best sites for credit cards from department stores. Know of another site that should be on this list? Leave your suggestion at the bottom of this page. (Related searches: GE Money Bank Credit Card, WFNNB, Carson Pirie Scott Credit Card)
1. Saks Fifth Avenue World Elite MasterCard - Saks credit card can be used anywhere MasterCard is accepted, and it earns points on all purchases, including up to 6 points per dollar on purchases at Saks Fifth Avenue stores. (www.saksfifthavenue.com)
2. Kohl’s Charge Card - Credit card used for purchases at Kohl’s department stores only. (www.kohlscorporation.com)
3. Sears Credit Cards - Choose from a Sears card good for purchases only at Sears and Kmart stores or the Sears MasterCard that earns points and can be used at Sears and everywhere else. (www.citibank.com)
4. JCPenney Credit Card - Charge your purchases at Penney’s department stores with this card. (www.onlinecreditcenter2.com)
5. Nordstrom Credit Cards - Offers both Nordstrom-only charge cards and Visa cards with reward points. (about.nordstrom.com)
6. Macy’s Credit Card - Offers store credit cards with varying Star Rewards levels. (www.macys.com)
7. Wal-Mart Credit Cards - Offers a Wal-Mart Discover credit card that can be used at Wal-Mart or anywhere else and rebates up to one percent of your purchases back to you. Also offers a Wal-Mart-only credit card. (www.walmart.com)
8. TJX Rewards Credit Cards - Credit card of T.J. Maxx, Marshall’s, HomeGoods and A.J. Wright stores. Choose from store-only charge card or TJX MasterCard that can be used anywhere. (www.firstusa.com)
9. Target REDCards - Apply for either a Target Visa or a Target-only credit card. Target Visa offers reward of 10%-off an entire day’s shopping at a Target store with each 1,000 points accumulated. (redcard.target.com)
10. Costco TrueEarnings Credit Card - American Express credit card for Costco members offers a number of cash back rewards levels, depending on where you use it. (www.costco.com)
11. Neiman Marcus Credit Card - Well-known department store offers InCircle Rewards for users of its credit card. (www.neimanmarcus.com)
12. Bergdorf Goodman Credit Card - Apply here for a credit card from this high-end department store chain, and earn InCircle reward points. (www.bergdorfgoodman.com)
13. Bloomingdale’s Credit Cards - Credit cards from Bloomie’s. (www.bloomingdales.com)
14. Boscov’s Credit Card - This link takes you directly to the Boscov’s home page—scroll down to the bottom of the page to find the link to their credit card. (www.boscovs.com)
15. Dillard’s Credit Cards - Choose between a Dillard’s credit card for use in the department store only, or a Dillard’s American Express card that can be used anywhere. Both cards offer reward points. (www.onlinecreditcenter2.com)
16. Meijer Credit Cards - Supermarket / department store superstore chain offers a number of credit card options. (www.meijer.com)
17. Gordmans Credit Card - Charge card for use at Gordmans stores only. (www.gordmans.com)
18. Bon-Ton Credit Card - Offers a number of slightly different card options for use in Bon-Ton stores. (www.bonton.com)
19. Bergner’s Credit Card - Get information on this department store credit card here, but you have to apply in the store itself. (www.bergners.com)
20. Boston Store Credit Card - Information on this store credit card is here, but you have to go to a store to actually apply. (www.bostonstore.com)
21. Carson Pirie Scott Credit Card - This page offers information on their credit card, but you can only apply for it at one of their stores. (www.carsons.com)
22. Elder-Beerman Credit Card - Offers multiple store credit card options. (www.elder-beerman.com)
23. Herberger’s Credit Card - Information on this department store credit card here. Apply at stores only. (www.herbergers.com)
24. Younkers Credit Card - Information on this store credit card here; apply in store. (www.younkers.com)
25. Belk Credit Card - Credit card of this large department store chain. (www.belkcredit.com)
26. Bealls Credit Card - Credit card of this Florida-based department store chain. (www.beallsinc.com)
27. Bealls Outlet Credit Card - Credit card for the outlet locations of Bealls department stores. (onlineaccess.mycreditcard.cc)
28. Stage Stores Credit Card - Credit card for department stores of this Texas-based corporation, including Bealls, Palais Royal, Peebles and Stage. (onlineaccess.mycreditcard.cc)
29. Stein Mart Platinum Rewards MasterCard - This credit card can be used at Stein Mart discount department stores or anywhere else and earns points toward Stein Mart gift certificates. (www.steinmart.com)
30. Sam’s Club Credit Cards - Choose from a store-only Sam’s Club card or one of two Sam’s Club Discover cards, which offer cash back or miles rewards. (www.samsclub.com)
31. Amazon.com Visa - While Amazon.com may not be a department store in the traditional sense, it sells enough different things in different categories that we thought it might be of interest to you. Earn reward points that convert to Amazon.com gift certificates. (www.amazon.com)
32. Shopko Rewards Visa - Earn points toward future reward coupons on Shopko purchases. (myshopkorewards.com)
33. Fred Meyer MasterCard - This grocery store / department store offers a rewarding credit card. (www.fredmeyermastercard.com)
34. BJ’s Visa - Earn points on every purchase that can be used toward gift cards toward future purchases at BJ’s Wholesale Club. (www.bjsvisa.com)
35. Store Credit Cards: Flashy Perks, High Rates - Article warns against applying for store credit cards to get a short-term discount, because the long-term interest rates on these cards are generally quite high. (moneycentral.msn.com)
36. Von Maur Charge Card - Credit card from this regional department store chain is interest-free. (www.vonmaur.com)
37. Lord & Taylor Credit Card - Offers a credit card for use only at Lord & Taylor department stores. (www.onlinecreditcenter2.com)
38. Barneys New York Credit Card - Store credit card offers reward points. (www.barneys.com)
Other Store Credit Cards:
39. Ann Taylor Credit Card - Get the Ann Taylor MasterCard or the store-only card, both of which offer rewards toward future purchases at this women’s clothing store. (www.anntaylor.com)
40. Banana Republic Credit Card - Get the store-only card or the Banana Republic Visa, both of which offer reward points good toward future purchases at Banana Republic or its sister stores Gap, Old Navy, etc. (secure-bananarepublic.gap.com)
41. Gap Credit Cards - Get a store-only card good at Gap, Banana Republic, Old Navy, Piperlime and Athleta stores, or a Gap Visa that is good wherever Visa is accepted. Both offers rewards on your card purchases. (www.gap.com)
42. Abercrombie & Fitch Credit Card - Credit Card from this clothing store aimed at the younger crowd. (onlineaccess.mycreditcard.cc)
43. Home Depot Credit Cards - Get a consumer or commercial credit card from the home improvement chain. (www.homedepot.com)
44. American Eagle Credit Card - American Eagle Visa or store card of this casual clothing store for both men and women. (www.ae.com)
More related searches: Target Credit Card, Belk Credit Card, Wal-Mart Credit Card, Sears Credit Card, Nordstrom Credit Card, Bealls Credit Card, TJ Maxx Credit Card, Credit Cards, Victoria’s Secret Credit Card, Meijer Credit Card, Macy’s Visa, PayPal Buyer Credit, Spiegel Credit Card, Amazon Credit Card
24 Comments Add your own
1. Angel May 3rd, 2008 at 6:56 pm
I applied for Target, JCP, Sears, Wal-Mart, Macys and Sears they rejected my credit card application because I have No Credit history?! I think, No credit is much better than Bad credit!!!!
What can I do in this case? I need to build up my credit history.
Please advice.
Angela
2. Jack Olson February 2nd, 2009 at 3:57 pm
Angel,
Get added onto someone elses credit card as an authorized user. This will put that account onto your credit report. Despite any rumors you may have heard, do this and your scores will respond. make sure the payment history is clean and the balance is below 50% of the credit limit.
3. SLP February 27th, 2009 at 3:32 pm
Apparently, this “RULE” was changed so “Authorized” users do not generate a Credit Score any longer. This was modified in 2008 under the Bush Administration.
4. H March 2nd, 2009 at 2:38 am
Actually authorized users are reported to the credit bureus. And being added as an AU is an awesome way to gain credit, especially if the primary is really good at keeping their account in good standing.
5. Bridget April 28th, 2009 at 4:37 pm
Try Macy’s. I have bad credit and I got approved for a Macy’s card. They may start you off with a 300$ limit but its better than nothing. Also maybe just try for a regular card just don’t try Total Visa, I had one of those and if you are even a single day late, they call you 10 times a day!
6. Jorge May 23rd, 2009 at 5:48 am
Angel, before you do anything else, stop trying to get store cards at this time. Your already developing negative marks on your credit as you have already stated you’ve applied at 6 dept stores. These inquiries will stay on your credit report for two years and drop your score. It’s great that you have “No Credit History”, but you need to do this right. “Piggybacking” is one way, but you have to make sure that the “AU” your using has great credit as well and usually this will only last for 6 months.
I actually helped consumers with their credit issues and help them create a new credit file… So your getting this info for free…So, I’ll give it to you in steps. Five Steps To Obtaining A-1 Credit: Walk away with 3 bank loans, Visa, MasterCard, & 2 dept. store cards!
Now that you understand the basics of what credit is, and why it is so important, you are ready to follow a plan to get you well on your way toward building a solvent and solid credit record. Follow my 5-step process and you will finish with 3 bank loans, a Visa and MasterCard credit cards, and at least 2 major department store credit cards. But that’s not actually the end; it’s just the beginning! You will then be in control of your financial destiny and will be better able to make the kinds of purchases embodied in the American Dream.
As you follow each step, remember that lenders and retailers count on making loans or selling goods on credit. The system helps them as much as you. They want to extend credit to you. Through this plan, you make them do so gladly and legitimately.
Step One - Obtaining Bank Loans
Laying the Groundwork
The first objective after developing a new credit file or removing negative credit from your report is to add positives. This can be achieved by obtaining three bank loans to serve as credit references for future maneuvers. Have you ever noticed that most loan applications require three credit references? Follow this first step and you will have three impeccable references to use for various kinds of credit and loan needs.
This step requires some up-front capital to get you going. The results can be achieved using anywhere from $300 and up, although I recommend investing $1,000. Take heart - the money will not be spent, but is used as secure backing in a savings account until the plan is completed. If you need to raise the cash, you can do so through creative means such as a temporary, part time job or a garage sale. You can also consider borrowing the money because, again, it will not be spent.
Just be careful not to start off with funds that you may be likely to need in the weeks to follow. Withdrawing this money before the plan is completed would jeopardize your credit and potentially leave you in greater debt. LOCATING THE RIGHT LENDERS
Now you are ready to locate your three lending institutions, which can be banks, savings and loans, or credit unions. You can use the bank where you currently have your checking or savings account, although you will still be opening a new savings account. Use your local yellow pages to call area banks and ask these questions:
What is the mini mum amount they will loan on a passbook savings account?
What is the percent you can borrow?
For these purposes, you are interested in opening only a regular passbook savings account, so don’t get more details than you need about other types of special account and offers.
Choose a lender that offers high yields and allows you to borrow as much as possible against a secured account. We will now label the banks you have selected Bank A, Bank B, and Bank C.
DEPOSIT, BORROW, AND PROSPER!
Go to Bank A and open a savings account with your $1,000 (or whatever amount you have allocated). This should be an interest-bearing account earning the highest rate you can find. Take your passbook home and wait three days.
Return to Bank A (dressed and poised for success) and ask to see a loan officer. Take your passbook with you, and explain to the officer that you wish to take out a loan, for which you are willing to place your savings account as collateral. This is the easiest type of loan to obtain because it is completely secured with cash. Be prepared to name a reason for the loan, although it should be granted regardless of the purpose because it will be backed by your savings account. Make sure you obtain an installment loan, amortized over one year with monthly payments required. Remember, you are building credit, so a loan that is due all in one lump sum at the end of 180 or 365 days will not serve your purpose. While a credit check is not always made for this type of loan, be prepared to acknowledge any bad marks on your credit record and explain that you are trying to re-establish your credit. Assure him/her that you will faithfully make your loan payments.
Assume you get a loan for 90% - or $900 - of your savings account, with a 6% interest rate. On a $900 loan you would pay $29.52, owing the bank a total amount over one year of $929.52. Your monthly payments will be $77.46.
Once this loan is made, Bank A will freeze your $1,000 so your loan collateral cannot be withdrawn. However, each time you make a payment on your loan, an equal amount (minus interest) will be unfrozen in your account and available for withdrawal.
Take your loan check for $900 to Bank B and open another savings account with this amount. Wait three days, and get your second loan - this time for $810 (90% of $900). Your monthly payments here will be $69.71. (Again, assuming 6% interest)
Now use your $810 and open an account at Bank C. Wait three days, and obtain a 90% loan for $729, with monthly payments due of $62.74. DON’T PANIC!
By the time you obtain your third loan, about two weeks have passed. You now have three bank loans totaling $2,439 and $729 in cash (your loan from Bank C). How will you pay these loans back? It’s easy. Use enough of your $729 to make your first payment on your Bank “A” loan ($77.46). Do the same at Bank “B” and Bank “C”. You should now have made payments that are ahead of their due dates by about one week at Bank A, two weeks at Bank B, and three weeks at Bank C. You have used about $200 of your $729, but you have also freed up frozen funds that can be withdrawn later.
Now wait about another two weeks and repeat the loan payment process described above, making another set of payments with your remaining cash. At this point, you should be approximately one full month ahead on all three loans. With the balance left from your cash loan, make your third set of payments on the second payment’s due date. By now, your $729 should be almost depleted. Approach each bank and withdraw the funds that have been unfrozen to use towards your next set of payments.
Continue this process until at least six payments have been made on each loan. You can pay off your loan in full, if you wish, after that point. Do not pay them off before six months, because this is the time frame usually considered when a payment history is calculated as a possible credit reference. This ends step one. Hope this helps.
7. Ashley September 27th, 2009 at 7:42 pm
Ok I have to say…
1.) some of you people write too damn much &..
2.) if you want to build credit, go to a credit union, they can help you out alot!!! plus it helps you stay out of that “bad cedit” zone.. they can let you know what your credit score is even if it’s as low as 600 to as high as 850.. mine is at about 701.. thanks to my credit union!
8. Ashley September 27th, 2009 at 7:44 pm
And Bridget.. are you blonde or something?.. The girl said she applied for Macy’s and got denied!! READ my dear.. hahaha!!!
9. Dianne October 27th, 2009 at 4:37 pm
I ‘m wanting to opt out of a couple credit cards because of the increase rates they are changing to,will that hurt my credit at all.If I haven’t used a credit card for a long time or haven’t activated it ,can I just cut them up and assume I’m not on their list of credit card holders anymore?
10. Roxy November 3rd, 2009 at 10:22 pm
How exactly can applying for credit if you have no credit count against you as a person who has credit? My husband is from another country and has been trying to get credit. I declared bankruptcy, so I have no credit to add him to help him out.
The rejection letters say that he is denied because he “has no credit file”. How exactly can the inquery go against him if he has no file.
He has a social and a green card and has an unrestricted social… I have tried to sign up with Trans Union, Equifax to pull his credit but they of course do not have anything for him so I can’t pull his credit and see what it looks like cause even the credit bureau says it doesn’t exist. Do we have to call the bureaus and have them “set up” a file?
11. kellie langley December 8th, 2009 at 5:42 pm
so this is what im thinking to establish credit you should go to zles friedmns or something and purchase a piece of jeewelry but make payments on it insstead of buying it directly that goes on your credit and it helps if you pay it on time and i think you guys just wanna buy things hell and thats about it basically you have became financially unstable and money hungry. good riddens get a damn job and open a savings account!!!
12. Chris December 10th, 2009 at 2:21 pm
any cards in particular any of you guys recommend to star with? (without annual fees)
13. David S. December 15th, 2009 at 9:47 pm
Try Kohl’s credit card.
I have no credit history and they approved me online for $300.
14. Kassie January 7th, 2010 at 3:22 am
I work at Kohls and got denied because I have no credit!
any other ideas besides department stores?
15. charline January 16th, 2010 at 9:22 pm
Roxy
No credit file simply means that one has not yet been established. If your husband has a green card and an unrestricted social than he should be able to get a credit card. I am not from here either and was denied several times before I was able to get a credit card. He should stop applying for unsecured cards because it will only hurt him. I ended up applying for a secured credit card with Orchard bank. It was a great decision . When I filled out the on line application, I had to give them my bank information and allow them to withdraw the $200 minimum deposit that they asked for. About two weeks later I received my card with a $200 credit limit. I was able to increase my limit by sending them money orders for the amount that I wanted my limit to be increased. They put it in a savings account and I get that money back when I close my account or they keep it if they have to close my account for non payment. My bank account is linked to my credit card account, I make my payments on line for free and they take three days to post. If he pays his bill a little before the due date each month and keep a balance below 30% of his limit ( I recommend starting with a $500 limit and never charging more than $150), after six months, he should be able to easily get another card.
Good luck!
16. Lisa Brown January 17th, 2010 at 12:11 pm
The BEST card, more rewards for your money is the Dick’s Sporting Goods Rewards Card. Get the actual credit card (not the in-store only card), accepted anywhere Mastercard is. You get $10 in Dicks Certificates for every $300 you spend on the Mastercard. For me, this is anywhere between $20-$40 a month of FREE money at Dicks! It’s the best deal I’ve found, and I’ve looked & compared everywhere!
17. Erica February 4th, 2010 at 10:03 pm
Try getting a credit card through your bank, or if you have a debit card use it as credit instead of debit.
18. Asia February 7th, 2010 at 2:22 am
Jorge,
That was the most genius sht I ever heard!!! Thanks for the advice! It was a lot, but it was sooo worth it!
19. jenni February 10th, 2010 at 4:11 pm
The easiest credit card to get is JCpenny
20. Jessica February 25th, 2010 at 4:46 pm
Actually, I applied for a JCPenney card and got denied because of not having enough credit history.
21. shena March 2nd, 2010 at 3:36 pm
I have no credit and am trying to get credit. I have tried getting credit cards, personal loans, j c penny cards nd even overdraft protection on my bank account. they wont let me because I have NO CREDIT. I dont know how to get any credit, my parents dont have credit cards either. thanks
22. Mary March 3rd, 2010 at 11:36 am
I’m a college student. I had ZERO credit card history as well. The fact that I had no credit history does not give the reassurance of my reliablity and timely payments. They don’t want to risk giving you a card and never getting paid back for the purchase you made on their card, it would be a loss and hurt their business and ultimately your credit score. But it isn’t the end of the world. I tried Wal-Mart and was turned down. I also tried other department stores…I struck gold with Boscovs. I think it’s just a matter of trying different places until one of them approves you. After two months and paying my Boscovs bill in full as soon as I got the statements, I tried Wal-Mart again and was approved. Now I am happy and I get to shop at my two favorite stores
23. Rae March 16th, 2010 at 9:05 pm
My advice would be to get a secured credit card if you think you MUST increase your credit score.
I would be remiss to encourage you to start buying things you can’t afford.
Budget and save! You will get the things you want in the long run and it will be so much more satisfying. For example if you make 3000/month and you put 7% into your clothing budget that is $210/month for clothes or $2520/year! I think that’s pretty decent without a credit card. If you could even get a card large enough to let you charge that much in a year, it could cost you over $500 more in interest!
24. lilly March 18th, 2010 at 2:58 pm
My credit score goes up and down 572-575 got approved of first primear bank card then applyed for a macys a few months later got approved and fashion bug to im new to credit also
Leave a Comment
Some HTML allowed:
<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <code> <em> <i> <strike> <strong>
Trackback this post | Subscribe to the comments via RSS Feed