What are the easy store credit cards to apply for online ? (2024)

• Retail cards
• Rewards cards
• Travel cards

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You're about to get a barrage of suggestions but before you do app for random store cards. May I ask what is your goal in seeking store cards? If that is your actual FICO score, you have great credit and can probably find approvals anywhere.

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The easiest ones to get will often have very low credit lines, so that may be counterproductive. With your scores, assuming they are FICO scores, you should be able to be quite selective. Do you shop at stores whose cards offer benefits and either discounts or rebates that would be worthwhile to you? While a Macy's card can relatively easily get a $25,000 limit (but may take months or a few years to get there), it's relatively useless if you don't shop at Macy's as even the American Express card's rewards are in the form of Macy's rewards, and the cards don't typically provide any real benefit unless you quality for Platinum Star Rewards which requires a fairly significant amount of spending each year.

If the need/want is simply for larger credit lines, you may be better served by credit union cards or rewards credit cards that can serve a greater purpose. Are you increasing your total credit limit to reduce existing high revolving credit utilization, or for another reason?

@K-in-Bostonwrote:

The easiest ones to get will often have very low credit lines, so that may be counterproductive. With your scores, assuming they are FICO scores, you should be able to be quite selective. Do you shop at stores whose cards offer benefits and either discounts or rebates that would be worthwhile to you? While a Macy's card can relatively easily get a $25,000 limit (but may take months or a few years to get there), it's relatively useless if you don't shop at Macy's as even the American Express card's rewards are in the form of Macy's rewards, and the cards don't typically provide any real benefit unless you quality for Platinum Star Rewards which requires a fairly significant amount of spending each year.

If the need/want is simply for larger credit lines, you may be better served by credit union cards or rewards credit cards that can serve a greater purpose. Are you increasing your total credit limit to reduce existing high revolving credit utilization, or for another reason?

Everything KiB said is my sentiment exactly.

If you shop at Best Buy, they're a great credit card that offers a lot of great benefitsandhigh cred limits. Plus, you can call in immediately after approval and tell them you were hoping for more as you're about to buy a home theater system there and they'll likely give you an even higher CL.

@DotaK You just paid off your balances, your utilization was high enough for some lenders to even close your accounts.

Now that your balances are paid off, you can easily control the utilization by paying cards down a bit before statement cuts. I don't think it's wise for you to start heading back right where you came from.

You're not only inquiring about store cards but also about different lines of credit. With your history of high utilization (Fico may not remember last month, lenders certainly do), an app spree can cause issues, because it may indicate you're about to run them up again.

Grow the cards you have, more cards isn't always the answer. If limits on your existing cards are not adequate, consider asking for increases.

@Remedioswrote:

@DotaK You just paid off your balances, your utilization was high enough for some lenders to even close your accounts.

Now that your balances are paid off, you can easily control the utilization by paying cards down a bit before statement cuts. I don't think it's wise for you to start heading back right where you came from.

You're not only inquiring about store cards but also about different lines of credit. With your history of high utilization (Fico may not remember last month, lenders certainly do), an app spree can cause issues, because it may indicate you're about to run them up again.

Grow the cards you have, more cards isn't always the answer. If limits on your existing cards are not adequate, consider asking for increases.

THISSSSSSSSS

I will never, for the life of me, understand why people apply for and roll up large numbers of store card credit lines simply to mask TRUE utilization.

Premier creditors see right through that because they don't simply review scores, but account activity. Padding your overall CL doesn't help in the long run...especially when those lines aren't used suffiiently and CLD'd/closed.

In my wallet: AMEX Gold (NPSL), AMEX Green (NPSL), Local Credit Unions (2 cards: VISA, MC, $25,000 CL each)

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@CreditCrusaderwrote:

@Remedioswrote:

@DotaK You just paid off your balances, your utilization was high enough for some lenders to even close your accounts.

Now that your balances are paid off, you can easily control the utilization by paying cards down a bit before statement cuts. I don't think it's wise for you to start heading back right where you came from.

You're not only inquiring about store cards but also about different lines of credit. With your history of high utilization (Fico may not remember last month, lenders certainly do), an app spree can cause issues, because it may indicate you're about to run them up again.

Grow the cards you have, more cards isn't always the answer. If limits on your existing cards are not adequate, consider asking for increases.

THISSSSSSSSS

I will never, for the life of me, understand why people apply for and roll up large numbers of store card credit lines simply to mask TRUE utilization.

Premier creditors see right through that because they don't simply review scores, but account activity. Padding your overall CL doesn't help in the long run...especially when those lines aren't used suffiiently and CLD'd/closed.

The short answer is because they can. Maybe not yourself but most of us around these here parts seek higher credit limit and more cards simply because...well, because we can. This hobby isn't one size fits all. Everyone has to make a decision and do what's best for them and their situation. Store cards may not be the answer for some but it may be how others choose to enjoy this hobby.

If you replace store cards with credit cards in your statement would you think the same rules apply? We all go about this in our own way. Being able to express it here without judgement is what makes this forum what it is. Most of us have the same goal, how we go about it is where we differ...and that's okay.

Perhaps, but one could make an argument "Because we can" is the reason for a "Synchrony closed my account" mega thread, and just about third of Comenity threads leaning that way.

There's nothing wrong with utilization padding, but there is a problem when we get a credit line we don't need, have no reason to spend on it so we don't, meanwhile I'm running up the other cards because I'm thinking store card utilization padding will work, but then my store card gets closed for rising utilization on other cards, or for non use.

Now store card adorns CR, butbecause I got card I didn't need, in a preparation for situation I'm not in, I cannot get the one I need.

For me, none of that is about judgement, but merely pointing that if you bring co*cktail umbrella outside during thunderstorm, don't expect to walk home dry.

@CreditCrusaderwrote:

@Remedioswrote:

@DotaK You just paid off your balances, your utilization was high enough for some lenders to even close your accounts.

Now that your balances are paid off, you can easily control the utilization by paying cards down a bit before statement cuts. I don't think it's wise for you to start heading back right where you came from.

You're not only inquiring about store cards but also about different lines of credit. With your history of high utilization (Fico may not remember last month, lenders certainly do), an app spree can cause issues, because it may indicate you're about to run them up again.

Grow the cards you have, more cards isn't always the answer. If limits on your existing cards are not adequate, consider asking for increases.

THISSSSSSSSS

I will never, for the life of me, understand why people apply for and roll up large numbers of store card credit lines simply to mask TRUE utilization.

Premier creditors see right through that because they don't simply review scores, but account activity. Padding your overall CL doesn't help in the long run...especially when those lines aren't used suffiiently and CLD'd/closed.

Not just lenders pay attention. TU keeps track of retail and bankcard utilization separately as well as all together and passes that info along.