What store credit cards can I get with a 630 credit score? (2024)

What store credit cards can I get with a 630 credit score?

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

What is the easiest store credit card to get with a 630 credit score?

Chip Lupo, Credit Card Writer

The best store credit card you can get with a 630 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.

What credit cards approve 630 scores?

What can I get approved for with a 630 credit score?

As someone with a 630 credit score, you have just crossed over into the “fair” territory of credit score bands. You can qualify for financial products, like a mortgage or car loan, but you will likely pay higher interest rates than someone with better credit.

What store credit card can I get with 600 credit score?

The best store credit card you can get with a 600 credit score is the Amazon Secured Credit Card. It has a $0 annual fee, offers 2% cash back on Amazon purchases if you are a Prime member, and requires a minimum security deposit of $100, which makes it easier to get with bad credit.

What is the easiest store card to get approved for?

What credit score do you need for a JCPenney card?

You need a credit score of at least 640 to get the JCPenney Credit Card. That means people with fair credit or better have a shot at getting approved for this card. The JCPenney Mastercard, on the other hand, requires a 700+ credit score (good credit).

Can I get a Discover card with a 600 credit score?

The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).

What credit score do you need for a Walmart credit card?

You need a credit score of 640 or higher to get a Walmart credit card. This means you are eligible if you have fair credit or better, but factors such as your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.

Can I get an unsecured credit card with a 630 credit score?

Yes, it's possible to get an unsecured credit card with bad or poor credit. Each of the credit cards on this list is geared toward people with bad credit. The cards don't offer many rewards and may come with fees, but they are unsecured card options that can help you rebuild your credit.

Can I get a Best Buy credit card with a 630 credit score?

For the credit card, you should have somewhere around 700. For the store version, it's a bit more lenient, around 640. At the end of the day, you need more than just a good enough score, your income will also come into play.

Can I get an Amex with a 630 credit score?

Michael Battle, WalletHub Credit Card Analyst

You need a credit score of 700 or higher to get an American Express card, along with a steady income that enables you to afford the monthly bill payments.

How long does it take to go from 630 to 700 credit score?

For instance, going from a poor credit score of around 500 to a fair credit score (in the 580-669 range) takes around 12 to 18 months of responsible credit use. Once you've made it to the good credit zone (670-739), don't expect your credit to continue rising as steadily.

What credit score is needed for an Amazon credit card?

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

Can I get a Walmart credit card with a 600 credit score?

To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range.

What credit score is needed for a Kohl's credit card?

The Kohl's Credit Card approval requirements include a credit score of 640 or higher. This means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income, and existing debt obligations when making a decision.

Is there a credit card that approves everyone?

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

What store credit cards are easy to get with bad credit?

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

What is the easiest store card to get without credit check?

The best store credit card for no credit is the Fingerhut Credit Account because it has easy approval and a $0 annual fee. Aside from accepting people with no credit or even bad credit, the card doesn't charge one-time fees or monthly fees, either. But keep in mind that you can only use it to make Fingerhut purchases.

What store cards can you get with a 550 credit score?

Is Macy credit card hard to get?

As usual, your chances of getting a credit card at Macy's will depend on your credit score. The minimum required score for this card is 640. Other factors that the issuer will consider include stability of income, debt-to-income ratio, and frequency of credit inquiries.

Is it hard to get Lowes credit card?

Applicants only need a minimum of fair credit to get approved for the Lowe's Credit Card, too. Just make sure to read the terms of any promotional financing offer before opting for it.

What credit card will approve me with a 620 credit score?

One of the best credit cards for a 620 score is the Capital One Quicksilver Secured Cash Rewards Credit Card because it offers rewards and a $0 annual fee. This credit card requires a security deposit of at least $200 to open the account.

What credit score does capital one require?

You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.

What credit score do you need for Citi Double Cash?

A credit score of at least 580 is recommended to apply for the Citi Double Cash® Card. This card is available to consumers with fair credit, which starts at a FICO® Score of 580. Good credit or excellent credit can help, but they're not required to qualify for this card.