Credit Card Offers for Shopping 2024

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.

February 2024: 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

Perpay Application
Compare
4
Card Overall Rating
  • Unlock a $1,000 average Spending Limit instantly.
  • Shop top brands in the Perpay Marketplace (Apple, Sony, MCM, Nike & more).
  • No interest, fees, or credit check.
  • Pay over time with easy payments from your paycheck.
  • Shop and build credit by 36 points on average.
Regular APR
0%
Annual Fee
$0
Credit Check
No
Instant Response
No
Freedom Gold Card Application
Compare now (15) »
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 Card for Details
Regular APR
0.00%
Annual Fee
See website for Details*
Credit Check
No
Instant Response
Yes
5
Loan Overall Rating
  • Pay for your purchases in 4 installments over 6 weeks with 0% interest or choose to pay monthly.
  • Sign up for Sezzle today with no impact on your credit and get an approval decision within seconds!
  • Pay in 4 and Build Credit.304
  • Activate the Sezzle Virtual Card and start paying with select retailers online and in-store.
Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No

This offer is not available in Indiana, Vermont, Wisconsin.

4
Card Overall Rating
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now Pay Later
  • Low monthly payments.
  • 0% Financing on brand name products exclusively at our online store.
  • Rewards Every Month!

This offer is not available in Indiana, Vermont, Wisconsin.

Regular APR
0%
Annual Fee
See terms
Credit Check
No
Instant Response
Yes
BOOST Platinum Card Application
Compare now (15) »
4
Card Overall Rating
Damaged credit to Fair credit
  • 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
4
Card Overall Rating
Excellent / Good / Fair / Bad Credit
  • 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
  • Conventient online account access
Regular APR
See terms
Annual Fee
$0
Credit Check
Yes
Instant Response
Yes
Net First Platinum Application
Compare now (15) »
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
0.00%
Annual Fee
See website for Details*
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
4
Card Overall Rating
  • Get up to $1,000 Credit Line with Guaranteed Approval*!
  • Designed for people with Bad or No Credit.
  • Our Online Store Features Products from All the Major Name Brands You Love and Trust!
  • 0% Interest for Members!
Regular APR
0%
Annual Fee
N/A
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
Regular APR
0%
Annual Fee
N/A
Credit Check
No
Instant Response
Yes
Unique Platinum Application
Compare now (15) »

This offer is not available in Indiana, Vermont, Wisconsin.

5
Card Overall Rating
Any Credit Welcome
  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • *See terms and conditions

This offer is not available in Indiana, Vermont, Wisconsin.

Regular APR
0%
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
Check if you're pre-qualified for a credit offer
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
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...
Have a Question About Credit Cards?

User Comments about Shopping Credit Cards