Best Store Credit Cards for Bad Credit (2026 Guide)

Store credit cards — also called retail cards — often have easier approval requirements than traditional bank cards. If you have bad or limited credit, these can be a stepping stone to better credit. Here are the best options in 2026.

Why Store Cards Approve Lower Credit Scores

Store cards typically start with low credit limits ($200-$500), which reduces risk for the issuer. They often accept scores in the 580-640 range, whereas most bank cards require 670+. The tradeoff is that store cards have higher APRs (25-35%) and limited usability outside the specific retailer.

Best Store Card Picks

Target RedCard Credit Card

The Target RedCard saves you 5% on every Target purchase. It reports to all three bureaus and has no annual fee. Most approvals happen around a 640 score, though some with thin credit files get approved lower.

Apply for Target RedCard →

Walmart Rewards Mastercard

The Walmart Rewards Card earns 5% back on Walmart.com, 2% in stores, and 2% on fuel. Issued by Capital One, it has a slightly lower bar than many cards at this reward level. Unlike co-branded store-only cards, this Mastercard can be used anywhere.

Apply for Walmart Rewards Card →

Fingerhut FreshStart Credit Account

Fingerhut approves virtually everyone, including those with very poor credit (500 and below). You can only use it on the Fingerhut catalog, but it reports to all three bureaus. It’s one of the easiest credit accounts to get approved for and builds a payment history effectively.