Credit Cards (US)

Best Instant Approval Department Store Credit Cards

Shopping online just got easier with our list of the best instant approval department store credit cards. Get an overview, compare features and find the perfect card – all without a complicated setup process or application rejections!


by Vinicius Barbosa

Published on 04/24/2023

Get Approved In Minutes; Shop With Confidence

Best instant approval department store credit cards
Enjoy benefits in your favorite department stores with these cards. Source: Canva.

Are you in the market for a new credit card? Look no further – we’ve compiled a list of the best instant approval department store credit cards you can qualify for quickly and easily. 

With these cards, there’s something to fit every budget and lifestyle. Plus, they all offer features like rewards points and free shipping on select items from your favorite stores! 

We’ll give you an overview of each card so you can find the one that works for you with minimal hassle. 

So if you’re looking to take advantage of online shopping without worrying about any complicated setup processes or application rejections, read on!

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Best Instant Approval Department Store Credit Cards: Find the Right Card for You

Do you constantly reach for your credit card to get the needed items? If so, it’s time to consider signing up for a department store credit card. 

With an instant-approval department store credit card, there are no long wait times or tedious approvals processes; instead, you can apply and be approved in a matter of minutes! 

Plus, many of these cards come with added rewards like special promotional offers and discounts on your purchases. In this blog post, we explore the best instant approval department store cards—so read on if you’re ready to start racking up those rewards!

Target RedCard™

Best instant approval department store credit cards
Buy everything you need in the same place. Source: Canva.

When it comes to shopping at Target, there’s nothing quite like the power of the RedCard™. 

Not only can you indulge in a guilt-free spree knowing that you won’t be hit with an annual fee, but you can also feel like a savvy shopper with every swipe thanks to the 5% discount on almost everything in the store. 

And if you can’t resist the allure of online shopping, you’ll also enjoy the perk of free two-day shipping on But wait, it gets even better! 

With extended returns for an extra 30 days both in-store and online, you can make sure that that impulse buys don’t lead to any buyer’s remorse. So treat yourself to that extra throw pillow or trendy tumbler. Your wallet (and your home decor) will thank you.

Neiman Marcus Credit Card

This fancy piece of plastic is the perfect accessory for any fashion-forward shopper. Not only can you use it at Neiman Marcus and Bergdorf Goodman (hello, designer duds!), but you can also use it at Last Call and Horchow (home decor, anyone?). 

And with incentives like earning five points for every dollar you spend and getting a $100 gift card for every 10,000 points, you’ll quickly be racking up the rewards. 

Plus, if you make a purchase within 30 days of opening the card, you’ll get an extra 5,000 bonus points – talk about a stylish steal! So go ahead, and add a little luxury to your life with the Neiman Marcus Credit Card.

TJX Rewards Credit Card

Are you a self-proclaimed bargain hunter? Do you get an adrenaline rush every time you score a deal? Get ready to up your savings game with the TJX Rewards Credit Card. 

Not only can you breathe easy knowing there’s no pesky annual fee, but you’ll also earn 5% back in rewards every time you shop at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores. It’s like hitting the jackpot without the hassle of a trip to Vegas. 

And let’s be real, with a deal this good, you’ll earn those $10 rewards certificates in no time. Happy shopping!

Amazon Prime Store Card 

Best instant approval department store credit cards
In-store or online: enjoy these department stores cards benefits. Source: Canva.

Are you tired of juggling multiple credit cards with different reward systems and interest rates? Say hello to the Amazon Prime Store Card. 

This little piece of plastic gives you 5% back on every purchase you make on Amazon and offers special financing options on larger items. 

And let’s not forget the prime perk of being able to use it for exclusive deals during Prime Day. It’s like having a personal shopping assistant, but without the judgmental side-eye when you splurge on that new gadget, you definitely didn’t need. 

So give your old wallet some rest and let the Amazon Prime Store Card take center stage.

BJ’s One+™ Mastercard® 

Shopping at BJ’s Wholesale Club became even sweeter thanks to the BJ’s One+™ Mastercard®. 

It offers a generous cash-back program on most purchases made at the warehouse store and gives you a discount on BJ’s gas. And let’s be real, who doesn’t love a good discount on gas? Plus, there’s no annual fee and rewards don’t expire, so you can rack up those cash-back rewards without any added stress. 

With the BJ’s One+™ Mastercard®, you can shop smart and save big, all while filling up your tank for less.

Lowe’s® Advantage Card

If you’re a regular at Lowe’s, you might want to give yourself a pat on the back for making the smart decision to shop at a store with such a great selection of home improvement goodies. 

But if you want to pat yourself on the back in the form of serious savings, you’ve gotta check out the Lowe’s Advantage Card. 

It comes with a no-annual-fee and no foreign transaction fee policy and gives you a 5% discount on most purchases made with it. 

And who doesn’t love extra savings, especially when it comes to making your home look its best? So go ahead and get yourself a Lowe’s Advantage Card, and let the discounts roll in!

See how to apply for the Lowe’s Advantage Card

We’ve all experienced those moments when wandering around the Lowe’s store and thinking, “Man, I wish I had a credit card so I could get this project done now!” 

Well, lucky for you, the Lowe’s Advantage Card can make that dream a reality. In the next post, you’ll learn how to apply for your own Lowe’s Advantage Card and be well on your way to easily tackling any DIY projects. 

Lowe's Advantage Card

How to apply for the Lowe's Advantage Card

Get rid of the trips to the hardware store without spending extra money. Apply for a Lowe's Advantage Card and enjoy easy savings.

About the author

Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

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