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Summary: Some online store credit cards have guaranteed approval and can help you grow your credit.

If you’re struggling to build credit you may be looking for any credit account you can get. Some online store accounts may be able to help, but be alert for high prices, fees, and other downsides. You may be better off with a secured credit card.

If you do decide to pursue an online store card, here are some options.

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Our Top Choice: Fingerhut

Fingerhut logo

⭐️ 9.8/10 (52,462 Reviews)

How it Works

Build your credit by shopping in Fingerhut’s online store, just as you would use Amazon.

Easy Steps to Start

1. Apply for Fingerhut Credit

Free to apply

2. Shop from Fingerhut Store

Over 450,000 products from brands such as Dyson, Skechers, and Samsung

3. Make On-Time Payments

Grow your credit while making payments as low as $7.99 per month

What We Like

  • Founded in 1948 and owned by Macy’s
  • Millions of customers 
  • 34,478 5-Star Reviews on Trust Pilot
  • Credit Boost Speed: 30 Days
  • Estimated Credit Impact20 To 40 Points
  • Cost To Start: $0

Apply Now

Read Our Review 

Finding a good store credit card when you have bad credit can be very frustrating.

If you apply for cards you can’t get approved for, you’ll be racking up hard inquiries and damaging your credit.

Getting an online store credit card with guaranteed approval is simple and there are several options to choose from.

How We Chose The Best Online Store Credit Cards

We used several factors to determine our pick for the best online store credit cards that guarantee your approval.

  • Application Process: We looked at both the speed and ease of each application to see who had the better overall process. 
  • Annual Fee: Some cards have an annual fee.
  • APR: The APR is one of the most important parts about any credit card.
  • Approval Process: Each card boasts that it can get almost anyone approved. We looked into each card to see if they actually did what they promised.
  • Customer Service: We looked at how their customer service functioned and which company had the best overall customer service.

Three Online Store Credit Card Options

Fingerhut logo

Fingerhut Credit Card Account

⭐️ 8/10Read Our Review

ANNUAL FEE
$0

REGULAR APR
29.99%

RECOMMENDED CREDIT SCORE
350 – 679 / Poor To  Average

Fingerhut is a super easy account to obtain. An account with Fingerhut doesn’t come with an annual fee and Fingerhut reports to all three major credit bureaus. 

To make things better, pretty much no one will be declined. You will either be approved for an Advantage account or a Fresh Start account.

If you are trying to rebuild or establish credit and want a nearly certain approval, then the Fingerhut credit card account is worth a look.

Pros & Cons

While this account is an excellent option for re-building your credit or getting your credit started, there are still some things you must consider when making a choice. Here are the pros and cons of the card:

Pros

  • Build Your Credit. Your on-time payments will be reported to Equifax, Experian, and Transunion.
  • No Annual Fee. You don’t need to worry about huge annual fees eating into your credit limit.  
  • Guaranteed Approval. Seriously, you will get approved for at least one of their accounts.
  • 400,000 Items To Choose From. The best thing with Fingerhut is that you get to choose from thousands of everyday Items to purchase.

Cons

  • Can Only Use At Fingerhut. You can only use your credit limit at Fingerhut.com.
  • 29.99% Interest Rate. The interest rate is really high; however, it’s a really small price to pay to get your credit back in shape. Just keep your balance low!
  • Hard Credit Pull. While your approval is pretty much guaranteed, you will still receive a hard credit pull.
  • High prices. Products sold in the Fingerhut store are substantially more expensive than the same products in other stores.

Customer Service

Fingerhut has 24/7 customer service and they are easy to reach. Just call 800-208-2500.

Product Overview

If you are trying to build or rebuild your credit then you need to add this to your toolbox. You won’t be using Fingerhut to furnish your home. However, you can use it to purchase a few things you need and establish your credit.

If you pay your bill on time after a few months you will start to receive credit limit increases. These can help you lower your credit utilization.

This is a low-cost, guaranteed way to start building credit. Just keep your purchases limited to inexpensive items that you would have bought anyway, and keep your eye on the prices.

Apply Now

Horizon Gold Credit Card

⭐️ 4.5/10Read Our Review

ANNUAL FEE
$300

REGULAR APR
0%

RECOMMENDED CREDIT SCORE
350 – 679 / Poor To  Average

The best thing about Horizon Gold is that you are guaranteed a credit limit of $500 dollars to use inside the Horizon Network.

This network doesn’t have as many product choices as Fingerhut. It also doesn’t have an APR for the items you purchase.

Don’t be fooled by the 0% APR: this is not a low-cost option. This card comes with about $300 in annual fees. It also isn’t the best option if you are trying to build credit, because it only reports to 1 credit reporting bureau.

Pros & Cons

This is one where there are more things we don’t like than we do like.

Pros

  • No Employment Required. No proof of income or employment is needed to obtain this account.
  • No Credit Check. You will not harm your credit if you apply for this card.

Cons

  • $300 Annual Fee. Say no more.
  • Reports To Only One Credit Bureau. This account will only report to one credit reporting agency and Horizion doesn’t say which one. 
  • Can Only Use At Horizion. You can only use your credit limit at Horizon Network stores.
  • $5.00 Card Activation Fee. They already want a crazy annual fee and then they charge you to activate the card.

Customer Service

Horizon Gold has very bad customer service reviews and even has a warning on their BBB page about customer service, so don’t expect much. 

Product Overview

This product sounds great on the surface with a 0% APR, guaranteed approval, and a starting credit limit of $500.00.

However, your annual fee is going to be over 50% of your actual credit limit… EVERY YEAR!

This is a prohibitive fee and we don’t recommend this unless it is your only option.

Apply Now

Net First Platinum Card

⭐️ 4.5/10Read Our Review

ANNUAL FEE
$300

REGULAR APR
0%

RECOMMENDED CREDIT SCORE
350- 679 / Poor To  Average

Netfirst Platinum is a third-party card to the Horizon Network and it functions exactly like the Horizon Gold card.

You are guaranteed a credit limit of $500 dollars to use inside the Horizon Network.

As mentioned earlier, this network doesn’t have as many buying options as Fingerhut.

You will still get the same Zero percent APR for the items you purchase. You will still also get that $300 annual fee.

It also isn’t the best option if you are trying to build credit because it only reports to 1 credit reporting agency.

Pros & Cons

This is another account where there are more things we don’t like than we do like.

Pros

  • No Employment Required. No proof of income or employment is needed to obtain this account.
  • No Credit Check. You will not harm your credit if you apply for this card.

Cons

  • $300 Annual Fee. A $300 annual fee is charged to your balance throughout the year making this a very bad
  • Reports To Only 1 Credit Bureau. This account will only report to one credit reporting agency and Horizion doesn’t say which one. 
  • Can Only Use At Horizion. You can only use your credit limit at Fingerhut.com and no other store or location.
  • $5.00 Card Activation Fee. They already want a crazy annual fee and then they charge you to activate the card.

Customer Service

Net First Platinum is a third-party card of the Horizon network and also has some of the worst customer service reviews on the BBB. 

Product Overview

This product sounds great on the surface with a 0% APR, guaranteed approval, and a starting credit limit of $500.00.

However, your annual fee is going to be over 50% of your actual credit limit… EVERY YEAR!

It’s hard to see how this could be a good idea.

Apply Now

Are Online Store Credit Cards Worth It?

If you plan to build or establish credit then an online store card with guaranteed approval may be a valid option. It will provide you with a credit account and that can help you build credit.

While they do give you access to some everyday items you can purchase, shopping in these networks on a regular basis is not how these accounts should be used.

Your primary focus should be using them to establish a good payment history, get as many credit limit increases as possible, and help with your mix of credit. That means keeping your spending low, buying only items you need, and making all payments on time.

Remember that the providers offering these cards still need to make money. They often do this by overpricing the items they sell.

If online store cards don’t sound like a great deal – and they often aren’t – look into a secured credit card instead.

Eventually, you want to get to a point where you can have a strong enough credit score to get an unsecured credit card even if you still have bad credit. 

Once this account has served its purpose you should keep it active but not use it at all. If anything, use it once every 6 months to just keep it active.

Retail Store Credit Cards To Avoid

Have you ever been shopping at your favorite retail store and as you check out the cashier asks you if you’d like to apply for their retail store credit card?

It seems like every retail store has its very own credit card but should you get one? 

The simple answer is, ‘No.’

Retail store credit cards can only be used to make purchases at company-owned stores or their online website. They usually charge extremely high interest rates and the rewards they offer to entice you to sign up have little to no value. 

Most of the rewards programs offer automatic discount rewards when you hit certain points thresholds that expire within 30 to 45 days.

The largest issuer of retail store cards and administrator of valueless rewards programs is Comenity Bank. 

This bank has horrible BBB reviews and ranks as one of the worst customer support services of all banks that we have reviewed. In fact, they are known for closing accounts in good standing that pay off their balance each month because they do not make enough interest off of them. 

So the next time you are considering a retail store card like a Lane Bryant Credit Card or Hot Topic Credit Card, keep all of this in mind. 

Taking Action

Building credit is a multi-step process. You’ll want to have revolving credit, like a credit card or an online store card, and also installment credit, like a credit-builder loan. An online store card can help you, but it might not be the best option.

If you’re trying to build credit, look into these strategies for rebuilding damaged credit and starting to build credit, and consider all of your options before making a choice.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.