Credit Card Offers for Shopping 2026

Shopping credit cards can be catalog credit cards, store credit cards, and general credit cards. The first two types are for those who prefer shopping at particular retailers, and they are usually good for consumers with poor or bad credit history. Regular credit cards can be used anywhere, and there is a general credit card for any credit history. Whether you are using a store card or a regular card, you will be given the opportunity to build or rebuild your credit history as your credit activity will be reported to one or three major credit bureaus.
Many shopping credit cards may offer guaranteed approval, no credit or employment check, unsecured credit line, or some other benefits. See the offers below to find the best card for easy shopping.

June 2026: BEST SHOPPING CREDIT OFFERS

4
Card Overall Rating
Excellent / Good / Fair / Bad Credit
Regular APR
See terms
Annual Fee
$0
Credit Check
Yes
Instant Response
Yes
  • Buy Now and Pay Later with Masseys Credit
  • Grow your credit with responsible use
  • Masseys Credit Lines Up To $500!
  • No annual fee
  • Payments as little as $5.99 per month

More Shopping Cards

5
Card Overall Rating
  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
$0 with eligible direct deposit
Overdraft Available
Yes
Perpay
Compare
4
Card Overall Rating
  • Unlock a $1,000 spending limit on the Perpay Marketplace with no interest and no fees.
  • Easy, risk-free application with an instant decision. See if you're approved with no impact to your FICO or Vantage credit score.
  • Build your credit with every on-time payment - users see an average score increase of 30 points.
  • Use your spending limit instantly - no waiting for a physical card.
  • Shop top brands like Apple, Nike, Samsung, and Sony in the Perpay Marketplace.
  • Make small, automatic payments directly from your paycheck over time.
  • Increase your spending limit up to $3,500 with positive payment history.
  • No activation or monthly fees - just flexible shopping and credit-building made simple.
  • Perpay is a certified B Corp - meaning we meet the highest standards of transparency and accountability for our customers.
Regular APR
0%
Annual Fee
$0
Credit Check
No
Instant Response
No
Group One Platinum Card
Compare now (10) »
4
Card Overall Rating
Damaged/Fair Credit
  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Get up to a $1,000 Credit Line!
  • See if you Pre-Qualify with no harm to your credit*
  • 0% Interest for Members!
  • Shop with Confidence!
  • The Power to Purchase!
  • *See site for details
Regular APR
0%
Annual Fee
See terms*
Credit Check
No
Instant Response
Yes
5
Loan Overall Rating
Poor, Fair, Good Credit
  • Sezzle enables you to obtain no-interest loans for purchases.
  • No hard credit check.
  • Simple, transparent 6-week payment plan.
  • With the Sezzle subscription, Sezzle Anywhere, shoppers can shop at any retailer (in store and in person) and pay in 4 with Sezzle.
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Merit Platinum Card
Compare now (10) »
4
Card Overall Rating
Damaged/Fair Credit
  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • $750 Merchandise Credit Line
  • Exclusive Member Benefits
  • Start Shopping Right Away!
Regular APR
0%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
5
Card Overall Rating
  • Enjoy a $1,000 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly payments.
  • No Credit Checks & No Credit Turndowns.
  • No Application Denied for Poor Credit.
  • Reward Yourself With the Benefits of Credit!
  • Buy Now... Pay Later!
Regular APR
0%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Independence Gold Card
Compare now (10) »
4
Card Overall Rating
  • Bad Credit, No Credit? No Problem!
  • No Employment or Credit Check
  • Fast and Easy Application
  • $750 Merchandise Credit Line
  • No Sign Up Fees
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Freedom Gold Card
Compare now (10) »
4
Card Overall Rating
Damage credit to Fair credit
  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
  • *See site for details
Regular APR
0%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
Upside
Compare
4
Card Overall Rating
  • Download the free Upside app, claim an offer and start earning
  • Upside can be combined with credit rewards and loyalty programs
  • Earn extra cash back on gas, groceries, and dining
  • Cash out directly to your bank account, or dozens of gift cards
  • Use promo code EARNBOOST for a $5 cash back bonus on your qualified purchase ($10 minimum)
Regular APR
N/A
Annual Fee
$0
Credit Check
No
Instant Response
No
BOOST Platinum Card
Compare now (10) »
4
Card Overall Rating
Damaged credit to Fair credit
  • No Sign Up Fees!
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check
Regular APR
None
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
Net First Platinum
Compare now (10) »
4
Card Overall Rating
Damaged credit to Fair credit
  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
  • *See Card for Details
Regular APR
0%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
Katapult
Compare
4
Card Overall Rating
  • Real purchasing power. Up to $3,500 in lease pre-approval, based on your individual plan.
  • Fast approval. Get a decision in 5 seconds or less.
  • Zero surprises. Total transparency. Never a late fee–ever. 
  • No credit required. Our AI looks deeper to understand your journey.
  • Hyper-flexible purchase plans. Pay over time, purchase anytime. 
  • Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on Trust Pilot.
Regular APR
See terms
Annual Fee
See terms
Credit Check
No
Instant Response
Yes

Making Online Shopping Easy

Today many people purchase merchandise within online catalogs or websites because they can find everything they need at one place without even leaving the sofa. Some of them prefer one particular merchant and others shop at various merchants searching for the lowest possible price. Especially for such consumers there are shopping credit cards or catalog credit cards with different perks like discounts, benefits, specialties, and rewards.

Amid benefits you will see such features as no credit check, large credit line, reporting to the credit bureaus, and some other. All in all shopping credit cards are like general credit cards but there is one important difference. The shopping credit cards can be used exclusively at one particular online catalog or its partners. You can't pay with this card at the restaurants or book a hotel room.

Consider catalog cards as a convenient way to pay for your purchases while you are building up your credit history. But convenient doesn't often mean easy. Because catalog cards may have higher-than-average interest rates accompanied with high fees, and this is without taking into account shipping costs. So get aware of possible costs - read carefully terms and conditions before you apply for a card.

GET YOUR OFFER MATCH
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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
If you use a shopping card of one particular retailer, it's usually linked to this retailer and it's impossible to use this card outside. However, if it's a Mastercard or Visa card, then you can use it anywhere Mastercard and Visa are accepted....
There are a lot of cards that will give you rewards when you shop at retail stores. Usually retail stores try to offer you a co-branded card with a discount on this brand's purchases, some minor rewards or special financing. However, you pay for...
Generally, you are able to build credit using a credit card if it reports to a major bureau. Some of the store cards report to credit bureaus, but it's better to check this before applying for a card. And sometimes the issuers report only to one...
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