Best Instant Approval Store Credit Cards Cards of 2024
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.
On Amazon's Website
Up to 5X Reward Rate
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible PrimeRead More
Welcome Bonus
Get a $100 Amazon Gift Card
Annual Fee
$0
Regular APR
20.49% - 29.24% Variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
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.
Expert Commentary
Ben Luthi
Contributor
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Ben Luthi
Ben Luthi
Contributor
Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.
Contributor
The card is a no-brainer for Amazon Prime members. You’ll be hard-pressed to find another card that offers such a great rewards rate on so many different types of purchases.
Pros & Cons
- 5% cash back on all Amazon and Whole Foods purchases
- No spending required for part of 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, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com 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 Wholesale Clubs
Costco Anywhere Visa® Card by Citi *
2.1
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.
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
$0
Regular APR
20.49% variable APR
Credit Score
Excellent(750 - 850)
Our Expert Take
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
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 Clothing Store Card
Gap Good Rewards Credit Card *
1.8
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.
5X Reward Rate
Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy & Athleta
Welcome Bonus
20% off first purchase
Annual Fee
$0
Regular APR
29.99%
Credit Score
Good to Excellent(700 - 749)
Editor's Take
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.
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 Furniture And Home Decor
Key Rewards Visa *
1.4
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.
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
$0
Regular APR
30.24% variable
Credit Score
Good/Excellent(700 - 749)
Editor's Take
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
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 Target Shoppers
Target RedCard™ Credit Card *
1.3
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.
5X Reward Rate
Earn a 5% discount on qualifying Target purchases
Welcome Bonus
$50 credit
Annual Fee
$0
Regular APR
29.95% variable
Credit Score
Fair/Good(650 - 699)
Our Expert Take
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
Save $50 on a qualifying purchase of $50 or more upon approval for the card.
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 Home Improvements
MyLowe’s Rewards Credit Card *
0.6
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.
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
$0
Regular APR
31.99% APR
Credit Score
Fair(650 - 699)
Editor's Take
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.
- Automatic Silver Key status in Lowe’s loyalty program including free standard shipping
- No annual fee
- Can only be used in Lowe’s stores
- High APR
- Financing options can be expensive if not paid off within promo period
- No credit card rewards program, but does earn elevated points in Lowe’s loyalty program
Card Details
- Earn 20% off your purchase when you open and use a new account now through 1/31/25. Exclusions apply
- No annual fee
- No foreign transaction fee
- Earn 5% off your purchase 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 1/31/25. Exclusions apply. Up to $100 discount. Excludes purchase with installation not made at a Lowe's store.
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 Department Store Card
Kohl’s Card *
0.5
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.
Welcome Bonus
35% off
Annual Fee
$0
Regular APR
31.24% variable APR on purchases
Credit Score
Bad, Fair(0 - 649)
Our Expert Take
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
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.
Here’s a Summary of the Best Instant Approval Store Credit Cards
Credit Card
Prime Visa
Costco Anywhere Visa® Card by Citi *
Gap Good Rewards Credit Card *
Key Rewards Visa *
Target RedCard™ Credit Card *
MyLowe’s Rewards Credit Card *
Kohl’s Card *
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Prime Visa
Best for Online Shopping
Good, Excellent
$0
Get a $100 Amazon Gift Card
Costco Anywhere Visa® Card by Citi *
Best For Wholesale Clubs
Excellent
$0
N/A
Gap Good Rewards Credit Card *
Best Clothing Store Card
Good to Excellent
$0
20% off first purchase
Key Rewards Visa *
Best For Furniture And Home Decor
Good/Excellent
$0
10% back or special financing
Target RedCard™ Credit Card *
Best For Target Shoppers
Fair/Good
$0
$50 credit
MyLowe’s Rewards Credit Card *
Best For Home Improvements
Fair
$0
20% off first purchase
Kohl’s Card *
Best Department Store Card
Bad, Fair
$0
35% off
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.
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
N/A
Get 20% off your first purchase when you open and shop with your new credit card. Exclusions apply.
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
Save $50 on a qualifying purchase of $50 or more upon approval for the card.
Earn 20% off your purchase when you open and use a new account now through 1/31/25. Exclusions apply. Up to $100 discount. Excludes purchase with installation not made at a Lowe's store.
35% off one transaction when card is used within 14 days of approval
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circ*mstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
