Easiest store credit card to get reddit

The best BoA setup that I can think of is the Premium Rewards card (3. I recommend Wells Fargo Active Cash or Citi Double Cash for your 2% card and Capital One SavorOne for groceries, dining, streaming, and entertainment. May 20, 2024 · Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. If you have an existing banking relationship with a card provider that helps your chances. It was a ridiculous card, unsecured with a $200 credit limit, but it was an unsecured card that let me build up credit history quickly. Discover & Capital One secured credit cards. But the easiest is definitely the Citi Secured Mastercard which will have the lowest approval requirements. 7k limit, 2/2019. If you’re a low spender who won’t be able to rack up many points with everyday spending, this could be a good option. May 28, 2024 · Welcome offer: $50 after spending $100 in the first three months. Good/Excellent. 3% groceries, 3% gas, 3% online purchases, $0 AF. Kogan card (which is white labelled by Citibank) has $0 annual fee and you get $400 credit at Kogan after you spend $1500 (within first 3 months). Discover Secured - In the first year, it doubles cash back, which is nice. Chase Amazon Rewards, $16. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Cash Magnet Card - $200 bonus, 1. If low credit history and low income you don’t and won’t get high credit limit. Specifically, does AMEX code stores like ALDI, Publix, and Kroger as “supermarkets”? Yes. For the debit card, they do a bank draft thing, which electronically moves the money to them, and, AFAICT, doesn't cost them anything. You can possibly get a Discover, Capital One or Apple Card with no credit. Amex is probably the easiest for getting a high limit due to there 3X rule. Amex BCP $8,000 limit, May 2019. 5 years old…so easiest high limit ones with this credit info. I'd also advise you to improve your credit score so you can get better options 3-4 months down the line. I’ve heard that the Nordstrom card is pretty lenient in terms of people with little to no credit. BoA Cash Back, Citi Double Cash, Citi Custom Cash, US Bank Cash+. While definitions and calculations vary, credit scores generally range from 300-850. Getting us to use that vs a regular credit card or debit card with a visa/mc logo on it, they'd get dinged 2-3%. I have a 1. It's biggest issue is that it's not accepted everywhere. You can earn points faster by pooling points from multiple cards). Please note, the Best Buy card offers 0% financing May 28, 2024 · The Amazon Prime Secured Card * is best for anyone trying to build or rebuild credit. For me right now the cards I am using (all no anual fee) are my: AMEX Simplecash, PC world, NEO financial, sometimes TD cashback. I spend ~$1,000/month on groceries so I use the Citi Custom Cash and the Best. I am a big fan of stripe, but it’s not really easy to use if you’re not a developer. 5% cash back on drugstore purchases and dining at restaurants, including takeout and If a secured card is the only card you can get then it's pretty much the only way you'll be able to build your credit. Apply for a secured credit card to rebuild my credit. A lot of the bad credit had been aging for a few years, since I could no longer get credit. Credit card companies don't want you to pay them back, they want you to pay them back with interest. The rewards are more versatile. ) but cannot be used to buy Best Buy or Visa gift cards. Someone else can talk about the nuance with that. Hope this list could help someone out. I wanted to share this chart I made for others who may also be interested in comparing Cash Back credit cards as of Dec. Discover and Capital One are both new cardholder friendly. All three of my credit scores were around 500. Improves every 6 months or so if you do well paying off debt on time and use less than 33 percent . Target RedCard. 25x else. For mc or visa, BMO Cashback Word Elite and RBC avion visa infinite are extremely solid choices as well. Had about a 690-700 score at the time with less than a year of credit history (Capital One Platinum card with $500 limit). Yes, they are a good way to start building a good credit score, as long as you use them responsibly and pay them off in full every month. Take a look at the Southwest Priority card. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. Citi Custom Cash 5% up to $500 monthly. Not a great sign-up bonus. Unless they have changed it in the last week, I can verify this is correct because we dealt with a couple of sales like this, and the system let IMO the mechanics are probably a decently big appeal to them. Gets a ton of use, everyday workhorse of a card. • 4 yr. • 2 yr. Informative Posts. Best. CSP, $16. 750. Whether you're looking to maximize your rewards, navigate travel perks, or get the most out of exclusive experiences, this subreddit is your go-to resource. As long as you charge it to your Capital One card you US bank altitude go: 4x points on dining, take out and delivery, $15 yearly streaming credit + 2x on streaming. Credit cards are a major attention drawer in today’s world. Below, we list the store credit cards that are easiest to obtain, including information about each card’s perks, fees, annual percentage rate (APR), approval time, and more so you can find the best option to fit your needs. 5% dining and travel, no FTF, $95 AF easily offset. Not only do you build up your credit score but you can establish a good history with that bank itself so that you have better options when you look for other credit products in the future (i. Low age of credit. Best case is they get removed. If I’m going to spend the money anyway, I’d rather get a free (points paid) vacation then $100 off a fridge. Last year at age 28, I started rebuilding. Amex Blue Cash Everyday. If you have a way to join Navy Federal Credit Union, the $49 Flagship Rewards Visa is very good, 2% cash back, extended warranty, cell phone coverage (not as good as REI card), Global Entry reimbursement, secondary rental car coverage, occasional great sign-up bonus, but has a $49 annual fee. Blue from American Express - 1x MR on everything. Store cards are worth it if you’re going to spend a lot of money at one single store. I currently have cards that are 4-5% on gas, 3-5% on dining and 6% on groceries. Flying with an airline or staying in a hotel. Capital One Secured Mastercard or Discover it Secured Credit Card are 2 good options. If you want the best overall card in terms of rewards, then the amex Cobalt is a good choice. This feature is available for certain Capital One credit cards. Because this is a secured credit card, it requires I suggest the Walmart Capital One card. Amex Everyday Card - 2x MR on groceries, 1x on everything else, 20% boost on MR earning is used 20 time a month, 10k point bonus. Special financing goes all the Hitting milestones by paying off smaller balances first gives you a sense of accomplishment and you are more likely to stick with the plan. Looking for credit card with maximum rewards, Amex Blue Cash Preferred for 6% up to $6k annually. Questions: 1. Wait a few more months, till before the holiday season starts, then apply. Your score will jump at least 100 points within days and then you can go get 2 unsecured cards, then a 3rd. And then I’d say next up is Amex Gold / Green and Blue Cash Preferred / Everyday for “desirable” cards. Unsecured CC - Banks give you the Limit. Easiest Credit Cards to Get with No Credit (June 2024) OpenSky® Plus Secured Visa® Credit Card: No Credit Check. Will start with a low limit but after 6 months request a increase. You can get a credit card without credit, but your options are mostly limited to alternative credit cards and Discover: Closed credit card with $952 balance. Best Retail Store Credit Cards of June 2024. 5% & 2% cards that would cover everything else. I heard that the Walmart card was easy to get for post-bankruptcy BUT nope, rejected again. 60Kpts when you spend $7,500 in first 3 months. 5% effective back since Best Buy accepts Apple Pay, so that card would be better for many. My first store credit card was a Nordstrom store card with a credit limit of $500. 13. You provide a deposit that becomes your credit limit. It lists a bunch of store cards that you can get without even getting a hard inquiry. Paying off your credit cards every month lowers your score by a few points. These are the scores used to calculate auto insurance rates. You can easily create an invoice send it to the customer, and they can pay via credit card on the invoice. Jun 12, 2024 · One of the easiest ways to build credit with no credit history is with a credit card. This also applies to the rewards you earn with these cards — they can typically only be used toward branded purchases. 25Kpts months 13 if you spend $2,500 that month. Jun 3, 2024 · At the same time, many store credit cards are closed-loop, meaning they can only be used to make purchases with the specific brand that co-issued the card. I used this service to improve my score by 240 points in 4 months. But it’s not always certain. Credit unions are out there for most occupations and local area residents. Citi is an awful bank though, so be warned. Inquiries about 8 on trans union and 15 on experian ( mostly car loan / refinance as some same day)… 10 accounts in 2 years including store cards. About $1,000,000+ annual spend and they’ll want to see your books for that sorta stuff to go away. There is a limit on the cash back. BofA CCR set to online: 5. A secured credit card is supported by a cash deposit you make when you open the credit card account. I recommend he get the DCU Visa Platinum Secured Credit Card out of those option, but continue to look around. 5% cashback on everything. This card 2024 Credit Card Recommendations. com. 62% catch all, plus $100 airline incidental credit) plus as many customized cash cards as they let you have since you could have one set to online shopping, another for gas, etc. Secured CC- You give Money to the Bank to open the CC with a max limit of up to $5k (Whatever money you give them will be refunded back to you at the end of the year) There's a good chance you might not get approved for a regular Unsecured CC so I suggest a Target debit card links to your existing checking account and gives you your 5% back on in-store and online Target purchases. I like the idea of building sky miles for The sub r/CreditCards is the best place for advice on this subject. chime. Mobile app is simple but efficient. It has a 9. r/Amex is the place for American Express cardholders to connect, share tips, and discuss everything related to their premium card benefits. Unfortunately, I don't have a car, and the only credit card I have is the CapitalOne. Make on time payments and don’t utilize much if any of the credit available and you’ll be a year out from a couple thousand dollars on each card. So they might be able to get it anywhere. I applied a few months ago when I turned 18, and I had absolutely no credit. CITIBANK- Rewards credit card NAFFL promo until October 31, 2020 for new members with 20k spending condition. The only other card I ever tried to apply for was from a department store (got insta-denied within 20 minutes on that one). ROBINSONS BANK - 12 SWIPES/YEAR. They look beyond your credit score and consider you bank history. You have to wait for a check to come in the mail and then deposit it. Best credit card for groceries. Naffl cards-check the pinned post I'LL TRY TO list them. I would definitely recommend Wave Apps. Curious what others people think should be included. Members Online Historical awareness of Poland in the West: In 1998 Polish professor Witold Kieżun (veteran of Warsaw uprising) made a poll of nationality of Nazis in one Canadian high school, 60% responded that Nazis were Poles. Reply reply. You probably want one card that gives 2% cash back on everything and another card that gives 3% or more on multiple categories that you use often. 0% financing offers can be had on the same products at different websites or different credit cards. You’ll stop using this card in about two years. Affinity FCU Cash Rewards Visa - 5% Amazon (This card used to be phenomenal, but its value has largely been nerfed now to just an Amazon card) Capital One SavorOne - 3% dining, 3% grocery, 3% streaming, 3% entertainment, 10% Uber. 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4. Like the regular OpenSky card, the OpenSky® Plus Secured Visa® Credit Card doesn't require a credit check or a bank account. 10% cash back on purchases The US Bank Altitude Reserve will give you 1. Security bank - NEXT mastercard (yung dog) Citi - simplicity. Credit Card Recommendations for 2023. Rakuten. Comprehensive-Pea812. It's an easy way to reduce junk mail and reduce the risk of identity theft (from someone stealing your mail). 5% cash back) •Customized Cash Rewards World MasterCard (used for the initial $200 offer, haven't used as much and current 0 balance ADMIN MOD. all else is good. The presence of even one retail card on your credit report within the last two years has a significant and negative effect on your insurance scores from Lexis (CBIS). Settle with Capital One for $500. AUB. 6 days ago · Terms Apply. If low credit history and high income still Amex, wells fargo, apple, discover, maybe capital one sometimes. All of the chase cards are a bitch to get, unless you bank with them. You can try for a Discover Card or Capital One Card, possibly a local bank or credit union you currently do business with. Kohl's Credit Card. Canadian Tire Card, home depot, the brick store cards are the easiest to obtain. Their co-branded cards (such as the American Airlines/Costco card) have been reported to be a bit easier. I use this card for booking travel. Any time I got credit, I took it, and then just never paid it back. Box 105281, Atlanta, GA 30348-5281. If you use mobile wallet frequently, it is easy to offset the annual fee of this card (compared to using a 2% no-AF card) even if you don't travel at all in a given year. There's no reason to use a secured card otherwise. Capital One Quicksilver Secured - I personally think that an unlimited 1. Many people prefer paying with their card as it’s easy to return the earned credit at the end of the month, instead of keeping a tab on A subreddit for discussing credit cards. And, it graduates into a more useful card than Discover. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. e. Otherwise, IMO, a general card is more valuable. Amex Gold for 4X supermarkets. Not the highest multipliers, but solid categories and the last of which is what really sold me on it. The Fingerhut Credit Card is one of Citi Custom Cash, which has a 5% category based on your highest spend of the month. Request them by phone at 877-322-8228. business and domestic first get free bags and early boarding. All business cards will require a personal guarantee until you get to the corporate card level. I suggest apply for all banks. Unique-Sky7302. Not quite the same, but the reward rate is great and lots of people shop there. Wow. Then keep that new card for 1. They put the part about the interest in the fine print no one reads. * Current credit cards you are the primary account holder of: Discover it Cash Back, $2. OptOutPrescreen. The Chase Sapphire Reserve® has one of the highest annual fees among all travel credit cards, but points are worth 50% more when redeemed for travel in the Chase portal. These are the top 4 I've been looking at. 5¢ per point on travel purchase period (you can use 3rd party sites, get better deals on flights). The PCMCU (People Caring More Credit Union) Mastercard Platinum rewards card, which gives 5% cashback on all purchases up to $1,000 a month/$12,000 a year resulting in a total of $600 cashback a year, not including any 1% rewards after. but if you have bank account like smbc, it is quite easy to get one from them also. It The constant payments will build your credit. They might be willing to give you a card with a low limit and will raise it if you use it responsibly. So from the major banks, 1. Award. They have a template you can fill out describing your current profile, spending habits, and what kind of cards you're looking for, and the contributors there will respond with advice. I think your chances of getting a Chase card are very poor at this time. I use this for restaurants and for streaming service. NNJ1978. One downside is you can’t transfer the cash back to your bank. The best way to get a unsecured card is to get 2 or 3 200$ secured cards. If you want here is a NEO referral code you will get 60$ signup bonus :) Mar 5, 2024 · There are 3 major credit reporting agencies: Experian, TransUnion, and Equifax. Here's a chart to compare some Cash Back Credit Cards as of Dec 2021. Excellent card for the right person – can’t beat 5% back. Annual fee: $0. Wells Fargo Autograph: 3x on travel. The deposit is usually equal or a percentage of your credit limit. 49% Variable. But the freedom is supposed to be the easiest out of all of them. Store credit can be used on external gift card sales (Xbox, Burger King, Spotify etc. I’m thinking about getting a credit card to help build my credit. Build Credit: Fingerhut Credit Account. Best Buy doesn't sell anything that most people would buy on weekly or monthly basis. Other benefits and drawbacks: When it comes to earning rates, this Quicksilver Student card is hard to beat. 2. Rewards. 1k limit, 04/2018. The idea is you put everything on it, and it averages out to be somewhere around 2-3% back. Amazon Rewards Visa Signature Card: Best feature: Amazon rewards. Phant_Effect. After a year, I would get the FNBO Evergreen. May 24, 2024 · The Citi Custom Cash Card features a 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of RCBC- NAFFL promo this year with 30k spending condition, can convert straight purchases to 0% installment for 3 months just using the app. CFU, $4k limit, 1/2019. Cap1 spark is the best easy entry level business card. Improve you credit score and you will see that getting approved for non anual fee cards is simple. 4% dining is decent cashback. Request them by filling out a form from the Federal Trade Commission and sending it to: Annual Credit Report Request Service, P. Metro - mfree mastercard. Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, opening date) e. Cheese is a fintech that offers a debit card with cash back at certain merchants. open sky…. Apply first to the bank where your savings are deposited. SoFi Mastercard. It’s my largest limit card at 35k. MAYBANK. g. Would recommend trying for this card because it has a relatively easy welcome offer and introduces you into the MR points game while not spending on annual fees. You'll get 2% cash back for all non-bonus category spend for your first year. Was approved with a $6,000 limit. There’s also a 6-month special financing plan with a $249 purchase minimum. Credit cards, student loans, 2 car repossessions, you name it. •• Edited. I'd someone physically wants to pay with a card, get a Square reader. Kroger Rewards: This main benefit of this card is 5% back on mobile wallet purchases for up to the first $3000 a year. (Source: Used to work for Capital One and we would get a lot of calls from angry Credit One customers) Reply reply. After your first year, those rates go down to 1% and 5%, respectively. . (if applicable to your location). The easiest cards are going to be secured cards, followed by store cards followed by credit union cards. I’m a college I need some advice on handling my credit. 2 days ago · Our pick for: No credit check and no bank account required. If an extra 4% back on Best Buy purchases as store credit is more valuable to you than travel rewards, sure. PSECU Founder’s Rewards Visa. Vote. 5% dining and travel, 2. Credit card issuers use 1 or more of these reporting agencies to access your credit score/history and determine if granting credit to you is warranted. You can generate a virtual card number through your account and use it immediately for online purchases. Edit: But the US Bank Altitude Reserve gives 4. Given the recency of your delinquencies the Open Sky card may be the best bet. United Club/Quest: Solid bonuses, surprisingly good rates on UA (4x For 2% on everything without fees: Alliant Cashback Visa. Open comment sort options. This can help cover a lot of spend that would be hard to get 5% on otherwise. Card Recommendation Request (Template Used) CREDIT PROFILE. Dec 5, 2023 · Store credit cards allow you to earn rewards at places where you regularly shop. After getting an endorsement from a bank and it turns out that your application is still rejected, your last option is to apply for a secured credit card. It depends on what you mean by best. Amex AeroplanReserve (good if you value the soft perks) $599. FICO Score: e. 2021. There's also the US Alliance Financial Credit Union Visa and Fidelity Rewards Visa, both of which have a 1% FTF. 3x AC and 2x dinind and food delivery. For 0% financing I think there are better cards. There’s a few ways you can earn miles and points: Using your credit cards (the quickest and easiest way) Applying for a new credit card and earning the sign on bonus. $400 annual fee, but $325 annual credit for travel and dining/takeout. 62% on all purchases, 3. Show Summary. All the benefits of an airline credit card are essentially of zero value when we buy these tickets. REI Co-op Mastercard®: Best feature Credit One is a super scummy company that uses a similar name and logo to Capital One to take advantage of their reputation. which would all get 5. The underwriting process is probably the same across the thank you point earning cards. 5 years 6 months TywinShitsGold. Aeroplan: Best airline card, excellent bonus (101k,) surprisingly good earn (3x on everyday categories,) and good benefits if you every fly Air Canada. Negotiate a similar settlement with Discover. Capital One SavorOne for 3% unlimited. American Express: American Express offers virtual card numbers for online transactions. Jun 13, 2024 · $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Dispute the accounts with bad info, worst case scenario is they update with correct info and you’re in the same position as now. 25% Amazon, Gas via apps, Costco, Walmart, virtually anything you purchase online subject to a $2500/quarter cap. Assuming you maximize your 6% categories, you earn $360/year, or $265 after the annual fee. SDFCU Premium Cash+ Visa. Chase Freedom Flex $10,000 limit, June 2021. You can not only use it to cash in for rewards (travel, amazon, etc ) but you can travel and then use purchase eraser later. The OpenSky® Plus Card also has a $0 annual fee. Having discussions with a few friends and acquaintances, I’m still unsure as to which credit card would best suit me. Sign up process is easy. My credit score is FICO 460. $550. Cash back can often be done much better for most categories with other issuers (Amazon might be an exception). It doesn’t have great multipliers but you get a $75 Southwest credit and 7500 rapid rewards points each card anniversary. 5% groceries and wholesale using the card in store. Best Buy gift cards cannot be used to buy any of the above. elppaple. Wells Fargo will start new creditees/students off at a 500 dollar credit card. The most effective way is to pay aggressively. It comes with no annual fee to make it easy on your budget. 49%-29. May 30, 2024 · The Capital One SavorOne Student Cash Rewards Credit Card is a card designed for students with rewards rates that match many of the top cash-back credit cards. Gain_Spirited. e. They do have insane limits though. Easiest Store Credit Cards to Get. I use Capital One credit cards for both personal and business. •. Sign-up via GCR for $125 cashback. They practically just give them out. 88% fixed APR, $200 cell phone insurance, auto rental collision damage waiver & $1M in travel Marriott Boundless: Good keeper for most, bonus and benefits (especially FNA) is competitive, but only earns well on Marriott. Jan 26, 2024 · INTRO OFFER: Earn an additional 1. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their main purpose in the meantime 7. Chase: Chase also provides instant access to your credit card information upon approval After 60 days the typical 3% or $10 applies. Planning to negotiate a settlement. Mar 12, 2024 · When you open an Overstock Store Credit Card, you can save 10% on your first purchase. + kickoff and self and a car loan about 1. I would start with the CapitalOne Pre approve links and see if you qualify for that. Altitude Go. US Bank Cash+ is also a top tier card with 5% back on utilities/internet. pnb - zelo or travel club. Which Credit Cards are your favorite/best? Credit. Oldest account age: e. Open your credit card statements, they typically have suggested pay off plans and comparison of the amounts you will end up paying. FNBO Evergreen - 2% uncategorized. It's 5% cash back in store (grocery, or whatever) with Walmart Pay (easy app, scan the card reader) Better yet, our jam for the last 6 months, 5% for online order grocery pick up. Jun 13, 2024 · 22. MLL lounge access. 5 years until the original store card is now 2 years old and the hard inquiry drops. Cap One is forgiving once you actually pay/settle the old cards. Apple for a secured credit card at a bank. Jun 7, 2024 · As long as you're 18+ years old and you can afford both a $300 + deposit and the monthly bill payments, you'll probably get approved. (Same if people fly enough for status) International business includes lounge access, both intl. I didn’t see anything about this before posting. Wal-Mart Store Card - 5% online, 2% in store. The Chase Sapphire Reserve® card is like the Preferred’s older, more sophisticated sibling. They have a very inexpensive annual fee, I think like $95 and they have the most robust reward system. Really, the American Airlines one A good starter card for you is the Petal 1 card. I suggest you get the Discover It student card. 1. I started building my credit by applying for one being offered at a table on my college campus. This is a good card to get started. Spend around $800 in a month. Referring friends or buying points. Fulton Bank Platinum credit card is 0% for first 20 months. 5¢ is close to the best as you’ll get. Dining programs and shopping portals. Here’s my plan: 1. Cheers! Get a store card for 6 months then you can basically pick any card you want store cards accept everyone and you won’t have to worry about too many inquiries lowering your credit score since you won’t be declined. Penfed Power Cash Rewards Visa. Also provides 3. I’d only suggest one of those secured cards as a last resort. line of credit, mortgage). Some business credit cards do report on your personal credit report. 3. 5% flat cash back rate with no foreign transaction fee beats Discover's offering. And you'll get 10% cash back if you spend within the rotating quarterly categories. $100 Nexus credit, UberPass membership. 25%. With just one retail card, you end up paying hundreds more each year in car insurance. It’s a great starter card for those seeking a secured option to build credit. Com is the official consumer credit card reporting website to opt-out of offers of credit or insurance. You can also call 1-888-5OPTOUT (1-888-567-8688). Start slow, don't get greedy and tell us how it goes. Premium Rewards: 2. Reply. I've tried about 4 places, including from my current bank, but I don't want to risk anymore because of the hard credit checks . O. 8 months. 5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6. Questions get answered, recommendations get recommended, and - you know - things get done. This bank is only on the east coast but the credit card is through Elan Cardmember Services. These cards accept people with “bad” credit, and they all have $0 annual fees. 7k limit, 07/2022. Current Cards: •Bank Americard Platinum Plus Mastercard (rarely use, currently 0 balance) •Unlimited Cash Rewards Visa Signature (really the only card I regularly use for 1. A retired family friend is trying to decide between several Chase Cash back cards, CF, CFU, Amazon There are three ways to get your free annual credit reports: Request them online at AnnualCreditReport. 5. ago. ri ew ws fc tt ge ds yw ri yz