Best Instant Approval Store Credit Cards Of January 2024 (2025)

Best Instant Approval Store Credit Cards Cards of 2024

Best for Online Shopping

Prime Visa

On Amazon's Website

Best Instant Approval Store Credit Cards Of January 2024 (2)

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5.0

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

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On Amazon's Website

Up to 5% back

Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligibleRead More

Welcome Bonus

Get a $100 Amazon Gift Card

Annual Fee

Regular APR

19.49% - 27.49% Variable

Credit Score

Good, Excellent(700 - 749)

Why We Picked It

For existing Prime members who frequently shop at Amazon and Whole Foods, the 5% rewards rate is stellar. To further sweeten the deal, thePrime Visa card offers a2% rewards category plus Visa Signature benefits.

Pros & Cons

5% cash back on Amazon and Whole Foods purchases
No spending required for the welcome bonus
No foreign transaction fees
Travel and shopping protections

Requires an Amazon Prime membership
No 0% introductory APR
Low cash back for purchases outside of bonus categories

Card Details

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Member FDIC

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Walmart Shoppers

Capital One® Walmart Rewards® Card *

3.7

Up to 5% Reward Rate

Earn 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery; Earn 2% back on restaurantsRead More

Welcome Bonus

5% cash back for the first 12 months

Annual Fee

Regular APR

18.99% or 29.99% variable

Credit Score

Good, Excellent(700 - 749)

Why We Picked It

The card offers excellent rewards for those who frequently shop at Walmart, particularly online. With no annual fee, it's a sweet deal to earn up to 5% cash back.

Pros & Cons

Up to 5% cash backat Walmart.com
2% cash back at restaurants and travel
No annual fee or foreign transaction fee

Base reward rate of 1% could be better
High to very high APR, depending on creditworthiness
No intro APR offer

Card Details

Earn 5% cash back in Walmart stores for the first 12 months when you use your Capital One® Walmart Rewards
No annual fee
5% back on Walmart.com & in the Walmart app, including grocery pickup and delivery
2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA gas stations
1% back everywhere else Mastercard® is accepted
$0 fraud liability for unauthorized charges
Capital One Mobile app: Pay your bill, get real-time purchase notifications, lock or unlock your card and more.

Earn 5% back in Walmart stores for the first 12 months when you use your Capital One Walmart Rewards Card with Walmart Pay - the quick and secure way to pay with your phone at Walmart

Best For Wholesale Clubs

Costco Anywhere Visa® Card by Citi *

2.1

Up to 4% Reward Rate

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter; 3%Read More

Welcome Bonus

N/A

Annual Fee

Regular APR

20.49% variable APR

Credit Score

Excellent(750 - 850)

Why We Picked It

With 4% back on eligible gas and EV charging purchases, 3% on restaurants and travel and 2% on your Costco shopping, this card has the potential to reward Costco shoppers and road warriors generously.

Pros & Cons

High rewards rates in bonus categories
No foreign transaction fee
Use the Costco Anywhere Visa card as your Costco membership ID

Requires an active Costco membership
Rewards can only be cashed out at Costco via an annual certificate
Certificate expires at year-end

Card Details

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter
Earn unlimited 3% cash back on restaurants and eligible travel purchases
Earn 2% cash back on purchases from Costco and Costco.com and unlimited 1% cash back on all other purchases
No annual fee with paid Costco membership
No foreign transaction fees

N/A

Best Clothing Store Card

Gap Good Rewards Credit Card *

1.8

5X Reward Rate

Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy & Athleta

Welcome Bonus

20% off first purchase

Annual Fee

Regular APR

29.99%

Credit Score

Good to Excellent(700 - 749)

Why We Picked It

If shopping at Gap Inc. brands appeals to you, you'll enjoy the free shipping, bonus rewards and extra perks for cardholders. You'll get free merchandise for your ongoing spending.

Pros & Cons

No annual fee
High reward potential
Rewards spending across the Gap Inc. family of brands

No low introductory APR period
High standard APR
Store card so may only be used to pay for purchases made at Gap Inc. family of brands

Card Details

Get 20% off your first purchase when you open and shop with your new credit card. Offer expires 14 days from date of account opening. Exclusions apply
Earn 5 points per dollar spent with a Gap Inc. credit card at Gap, Banana Republic, Old Navy & Athleta
No annual fee, terms apply

Get 20% off your first purchase when you open and shop with your new credit card. Exclusions apply.

Best For Furniture And Home Decor

Key Rewards Visa *

1.4

Up to 5% Reward Rate

Earn 5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excluding fast food)Read More

Welcome Bonus

10% back or special financing

Annual Fee

Regular APR

30.24% variable

Credit Score

Good/Excellent(700 - 749)

Why We Picked It

If you’re a frequent re-doer or you’re furnishing a home from top-to-bottom and want to only do it with items from this family of companies, you can find value in choosing the rewards or financing options with the card.

Pros & Cons

An annual $25 birthday reward
Choose special financing instead of rewards on qualifying purchases

Earnings can’t be redeemed for cash
Rewards certificates cannot be issued if they are lost or stolen.
Certificates expire 180 days after they are issued.

Card Details

Earn 10% back across seven brands on the first 30 days from account opening or special financing for 12 months on qualifying purchases of $750 or more
Earn 5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excluding fast food) and 1% back on everything else
$25 birthday reward
No annual fee

Earn 10% back across seven brands on the first 30 days from account opening, 5% thereafter, or special financing for 12 months on qualifying purchases of $750 or more

Best For Target Shoppers

Target RedCard™ Credit Card *

1.3

5% Reward Rate

5% discount on qualifying Target purchases

Welcome Bonus

N/A

Annual Fee

Regular APR

29.95% variable

Credit Score

Fair/Good(650 - 699)

Why We Picked It

If you shop frequently at Target and pay off your balance every month, you can't beat getting a 5% discount on Target purchases with this $0 annual fee store card.

Pros & Cons

5% discount on nearly all Target purchases
Free two-day shipping on Target.com
Extended returns for 30 extra days in-store or online

Some items do not qualify for the 5% discount
Very high APR
Late payment fees and high APR can outweigh the 5% discount

Card Details

Free two-day shipping available on eligible items at Target.com
Additional 30 days for returns and exchanges
No annual fee
5% off on purchases at Target in store or online
No annual fee

N/A

Best For Home Improvements

Lowe’s® Advantage Card *

0.6

Up to 5% Reward Rate

Earn a 5% discount on almost everything Lowe’s sells with an alternative option for special financing plans

Welcome Bonus

20% off first purchase

Annual Fee

Regular APR

28.99% fixed

Credit Score

Fair(650 - 699)

Why We Picked It

If Lowe's is your go-to for home improvement needs, you'll probably appreciate this card's 5% discount on most purchases.

Pros & Cons

5% discount on almost everything Lowe’s sells with an alternative option for special financing plans
Periodic promotional offers for cardholders.
No annual fee

Can only be used in Lowe’s stores
High APR
Financing options can be expensive if not careful
No rewards program
No benefits such as free shipping, extended return time

Card Details

Earn 20% off your purchase when you open and use a new account now through 1/31/24. Exclusions apply
No annual fee
No foreign transaction fee
Earn 5% off when you shop, or 6 months Special Financing on purchases of $299 or more, or 84 fixed monthly payments with reduced APR financing on purchases of $2,000 or more

Earn 20% off your purchase when you open and use a new account now through 1/31/24. Exclusions apply. Up to $100 discount. Excludes purchase with installation not made at a Lowe's store.

Best Department Store Card

Kohl’s Card *

0.5

Welcome Bonus

35% off

Annual Fee

Regular APR

31.24% variable APR on purchases

Credit Score

Bad, Fair(0 - 649)

Why We Picked It

Dedicated Kohl's shoppers will appreciate the opportunity to build credit with this no-annual-fee card while getting exclusive discount offers.

Pros & Cons

35% off one purchase after opening the card
Boosted earning rate on Kohl’s Rewards
Monthly discount offers

Can’t be used outside of Kohl’s stores
High APR

Card Details

No annual fee
Take advantage of mobile payment options like Kohl’s Pay, hassle–free returns, online and mobile bill payment and more
Gain access to extra savings offers throughout the year
Enjoy a special anniversary offer every year
Combine your Kohl’s Card discounts with Kohl’s Cash and rewards

35% off one transaction when card is used within 14 days of approval

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Introduction

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Concepts in the Article

The article you shared discusses the "Best Instant Approval Store Credit Cards of 2024." It provides information on several credit cards that are considered the best for specific needs. Let's break down the concepts mentioned in the article:

Prime Visa Card by Amazon: This card is recommended for existing Amazon Prime members who frequently shop at Amazon and Whole Foods. It offers a 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. It also provides additional benefits such as a $100 Amazon Gift Card and Visa Signature benefits.
Capital One Walmart Rewards Card: This card is suitable for Walmart shoppers. It offers a 5% cash back on Walmart.com and in the Walmart app, including grocery pickup and delivery, and 2% cash back on restaurants. It has no annual fee and provides a 5% cash back for the first 12 months.
Costco Anywhere Visa Card by Citi: This card is recommended for wholesale club shoppers. It offers rewards such as 4% cash back on eligible gas and EV charging purchases, 3% on restaurants and travel, and 2% on Costco shopping. It requires an active Costco membership.
Gap Good Rewards Credit Card: This card is suitable for those who frequently shop at Gap Inc. brands. It offers a 5X reward rate, where you can earn 5 points per $1 spent at Gap, Banana Republic, Old Navy & Athleta. It provides a welcome bonus of 20% off the first purchase.
Key Rewards Visa: This card is designed for furniture and home decor purchases. It offers a 5% reward rate on purchases made online and in stores across seven brands. It also provides a 4% cash back at grocery stores and restaurants and a 10% back or special financing as a welcome bonus.
Target RedCard Credit Card: This card is recommended for Target shoppers. It offers a 5% discount on qualifying Target purchases, along with benefits such as free two-day shipping, extended returns, and no annual fee.
Lowe's Advantage Card: This card is suitable for home improvement needs. It offers a 5% discount on almost everything Lowe's sells, along with special financing options. It provides a welcome bonus of 20% off the first purchase.
Kohl's Card: This card is designed for dedicated Kohl's shoppers. It offers a welcome bonus of 35% off one purchase after opening the card, along with monthly discount offers and the ability to earn Kohl's Rewards.

Conclusion

In this article, various credit cards are evaluated based on their suitability for specific needs, such as online shopping, wholesale club shopping, clothing stores, home improvements, and more. The information provided can help individuals choose a credit card that aligns with their preferences and spending habits. Remember, it's important to research and compare different credit cards before making a decision to ensure it suits your specific needs and financial situation.