Credit Cards

Store Credit Cards For No Credit History

Store Credit Cards For No Credit History

Are you an enthusiastic shopper looking to enjoy store-specific rewards but worried about your lack of credit history? Well, worry no more! In this post, we will comprehensively explore store credit cards for people with no credit history. We'll break down complex concepts and make them tangible and easy to understand, so you can confidently pursue the rewards you deserve!

Store Credit Cards For No Credit History Table of Contents

What are Store Credit Cards?

Best Store Credit Cards for No Credit History

What are Store Credit Cards?

Store credit cards are financing options provided by retailers. They are designed to promote customer loyalty by offering exclusive rewards, discounts, and perks when shopping at their respective stores. Some of the popular retail chains that offer store credit cards include Amazon, Target, Walmart, and Macy's.

Types of Store Credit Cards

There are two main types of store credit cards you may come across:

  1. Closed-loop cards: These cards can only be used at the specific retailer they are issued for. They do not bear any network logo (e.g., Visa, Mastercard) and typically have a lower approval threshold, making them ideal for people with minimal or no credit history.
  2. Open-loop cards: These cards bear a network logo and can be used at any retailer that accepts cards from that network. They often require a better credit score to get approved, as they offer more flexibility in their use.

Pros and Cons of Store Credit Cards

Before diving into the world of store credit cards, let's weigh the pros and cons:


  • Easier approval for those with no credit history or low credit scores
  • Exclusive discounts and rewards for cardholders
  • Potential to help build credit history when used responsibly


  • High-interest rates compared to general-purpose credit cards
  • Limited usability outside the specific retailer (for closed-loop cards)
  • Potential to lead to overspending due to tempting offers and rewards

Best Store Credit Cards for No Credit History

Finding the best store credit card for you depends on your shopping habits and the retailers you frequent the most. Here are a few popular options worth considering:

1. Amazon Store Card: Ideal for regular Amazon shoppers, this card offers a $10 Amazon gift card upon approval, 5% back on Amazon purchases for Prime members, and special financing options.

2. Target RedCard: If you're a frequent Target visitor, the RedCard offers 5% off on purchases, free shipping for online orders, and an extended return window.

3. Walmart Credit Card: A great option for Walmart shoppers, this card offers 5% back on and in-store purchases made through Walmart Pay (for the first 12 months), 2% back on in-store purchases after the first year, and 1% cashback on other purchases.

4. Macy's Credit Card: For those who love shopping at Macy's, this card offers rewards based on your spending tier, starting at 1% back for Silver members and going up to 5% back for Platinum members.

Remember, when selecting a store credit card, choose where you shop the most and can maximize your rewards.

Store Credit Cards For No Credit History Example:

Meet Lisa, a 25-year-old with no credit history but a passion for fashion and shopping at Macy's. As an entry-level employee, she doesn't have a huge salary and needs a way to save money while still enjoying her favorite pastime.

Having no credit history, Lisa finds applying for general-purpose credit cards to be challenging. So, she decides to apply for a Macy's Credit Card. After being approved, she is now a Silver member and enjoys 1% back on her purchases.

By using her Macy's Credit Card responsibly, Lisa can work her way up the rewards tiers, eventually becoming a Platinum member and earning 5% back. As her credit score begins to improve, Lisa can look into more versatile credit card options with lower interest rates and broader rewards programs.

Now that you're equipped with the knowledge of store credit cards for no credit history, it's time to take advantage of retailer-specific rewards! Remember, the key is using these cards responsibly, paying off balances in full, and avoiding tempting offers that may lead to overspending.

Feel free to share this article with friends and family who may be in similar situations. And don't forget to check out the other guides on Flik Eco for all your personal finance needs! Happy shopping!


About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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