Best Instant Approval Department Store Credit Cards [2024] (2024)

Some of the best instant approval department store cards include those from big-name retailers like the TJX Store Card, the Kohl's Credit Card, and the Amazon Store Card. Aside from potentially offering instant approval, they also offer rewards at the retailers they're affiliated with.

Most store cards, including the ones affiliated with department stores, can offer instant approval. When you apply online, there’s always a chance you will be instantly approved (or denied). Many stores also allow customers to apply in-store and receive a decision right away. Sometimes, the retailer will even let the new cardholder use the card immediately to pay for that day’s purchase. The cashier at your favorite retailer should be able to give you more information.

Most department store cards require fair credit or better (a credit score of 640+) for good odds of approval. In case you don’t know where you stand, you can check your credit score or free, right here on WalletHub.

There are loads more department store credit cards to check out. But while it’s common to receive an instant decision for a store card, it’s not guaranteed. Your application might take longer to process if you’re right on the edge of meeting the card’s requirements, or if you make a mistake and accidentally give incorrect information on the application.