Shopping Card Offers for 2020

Shopping credit cards, also known as catalog credit cards, are created for those who prefer shopping online to in-store shopping. These credit cards are good for consumers with poor or bad credit history. Despite the fact that these credit cards can only be used to purchase merchandise at a particular merchant, they still give you the opportunity to build or rebuild your credit history. Your credit activity will be reported to one or three major credit bureaus.
Most shopping credit cards offer guaranteed approval, no credit or employment check, unsecured credit line, and some other benefits. Consider the offers below to find the best card for easy shopping.

September 2020: BEST SHOPPING CREDIT OFFERS

Horizon Gold Application
Compare now (13) »
4
Card Overall Rating
Bad/No Credit
Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Instant Response
Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.

More Shopping Cards

Merit Platinum Card Application
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4
Card Overall Rating
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • Fast and Easy Application
  • No Employment or Credit Check
  • Instant $500 Credit Line.
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Low Monthly Payments
  • Get Pre-Qualified Instantly
  • No Annual Membership Fees
  • No Over-Limit Fees
  • No Fees to Pay Your Bill Online
  • Credit Lines Start at $100!
  • Buy Now, Pay Later
Regular APR
See terms
Annual Fee
$0
Credit Check
Yes
Instant Response
Yes
Horizon Gold Application
Compare now (13) »
4
Card Overall Rating
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Regular APR
0.00%
Annual Fee
See Terms
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Instant $500 Credit Line
  • Reports to Trans Union, Equifax and Experian
  • Shop Exclusively at NationalCreditDirect.com
  • No Over Limit Fee
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • 5% Cash Back on All Purchases or FREE merchandise6
  • Instant Response -- Start shopping in just minutes
Regular APR
0.0%
Annual Fee
See Terms*
Credit Check
No
Instant Response
Yes
Independence Gold Card Application
Compare now (13) »
4
Card Overall Rating
  • Bad Credit, No Credit? No Problem!
  • Reports to Major Credit Bureau
  • $500 Credit Limit
  • Fast and Easy Application
  • No Employment or Credit Check
Regular APR
0.00%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
Net First Platinum Application
Compare now (13) »
4
Card Overall Rating
Damaged credit to Fair credit
  • Instant Approval / $500 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Regular APR
0.00%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Schedule Your Payments Around Your Paydays.
  • Take Your Purchases Home Same Day!
  • Approvals Are Good For Up To 90 Days.
  • Begin Your Online Application Today!
  • Get What You Need.
  • National Retail Partners.
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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Will not affect your
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Debit Card
Credit Card
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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