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.

July 2020: BEST SHOPPING CREDIT OFFERS

Horizon Gold Application
Compare now (12) »
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

Independence Gold Card Application
Compare now (12) »
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
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
Horizon Gold Application
Compare now (12) »
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
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Check
Yes
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
4
Card Overall Rating
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Regular APR
9.99% (Fixed)
Annual Fee
$48
Credit Check
No
Instant Response
No
3
Card Overall Rating
Poor/Limited/No Credit
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
Regular APR
13.99% (V)
Annual Fee
$39
Credit Check
No
Instant Response
No
Surge Mastercard® Application
Compare now (12) »
4
Card Overall Rating
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Regular APR
24.99% – 29.99%
Annual Fee
$75 - $99
Credit Check
No
Instant Response
Yes
4
Card Overall Rating
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Check
Yes
Instant Response
Yes
4
Card Overall Rating
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Regular APR
17.39% (variable)
Annual Fee
$35
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.

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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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