The 10 Best Online Store Credit Cards Guaranteed Approval

Why pay for your grocery with cash when you could use a credit card to pay for all your purchases and build credit at the same time? If you are still walking to the grocery stores with cash, you are missing a chance to build, rebuild or strengthen your credit history and earn rewards from purchases.

Applying for a credit card in 2021 is no longer impossible, irrespective of your credit score. You only to look for online store credit cards guaranteed approval to start building your credit score and even earn rewards.

Store credit cards come in two categories of closed-loop cards and open-loop cards. The closed-loop credit card can only work in a specific store and its partners while an open loop closed can work with any store that accepts credit cards. Both categories of store cards come with perks and features that make them attractive to users like cashback, reward points, and low APR.

This article will help you find the best online store credit cards guaranteed approval you can use to build your credit history and earn rewards for your purchases.

Table Of Contents
  1. The 10 Best Online Store Credit Cards Guaranteed Approval
  2. Frequently Asked Questions (FAQ)
  3. Conclusion

The 10 Best Online Store Credit Cards Guaranteed Approval

1) Discover it Secured Credit Card

Discover it Secured Credit Card helps users earn cashback while building credit, making it one of the best online store credit cards guaranteed approval for those looking to maximize their money. The credit card offers an unlimited 1% cashback rate on all purchases.

You also get 2% cashback at restaurants and gas stations up to $1,000 total purchases every quarter. Discover it Secured Credit Card does not have a penalty APR or annual fees, enabling you to rebuild your credit while saving on costs.

The credit card furthers offers a matching cashback reward at the end of your first year and free protection alerts. However, you will need to put in a security deposit of at least $200 for approval.

Discover master card

Highlights

  • No credit history required
  • 22.99% variable APR
  • $0 annual fee
  • Cashback match welcome bonus
  • 2% cashback at gas stations and restaurants
  • 1% unlimited cash back on all other purchases
The cashback you earn is matched at the end of your first year
It does not have a penalty APR
It does not have a foreign transaction fee
The high acceptance rate at stores that accept credit cards
It lets you earn cashback on all your purchases
The 2% cash back category has a cap of $1000 quarterly
Security deposit does not earn interest

2) Bank of America Cash Back Secured Credit Card

A store credit card with no annual fees and gives you the option to earn rewards will likely offer more value for money. The Bank of America Cash Back Secured Credit Card allows you to focus on building your credit report without burdening you with costs.

You can add the credit card to your mobile and shop in-store or in-app using ApplePay, Samsung Pay, or Google Pay. You will also use it in major stores that accept credit card payments.

Paying your purchases with the card gives you a chance to earn rewards. You will earn 3% cashback in the category of your choice, 2% cash back at grocery stores and whole clubs, and 1% unlimited cash back on all other purchases.

The 3% and 2% cashback applies to your first $2,500 combined total every quarter. It offers a credit line of between $300 and $4,900, making it ideal for those who need a higher limit. You can also track your FICO score with free monthly reports.

Bank of America Master Card

Highlights

  • $0 annual fee
  • 23.99 fixed APR on purchases and balance transfers
  • 3% cashback in the category of your choice
  • 2% cashback at wholesale clubs and grocery stores
  • 1% unlimited cash back on all other purchases
  • $300 to $4,900 credit line
  • Free monthly FICO updates
It offers a higher credit limit
Allows you to earn cash back for your purchases
It does not have an annual fee
You can monitor your FICO score updates with monthly reports
The bonus categories require you to opt-in

3) Navy FCU nRewards Secured Credit Card

Individuals who are qualified for the Navy Federal Credit Union will find the Navy FCU nRewards Secured Credit Card beneficial for its amazing perks. It does not have annual fees or balance transfer fees and enables you to earn rewards from your purchases.

The credit card helps you earn 1x points for every dollar spent with no rewards limit. You will keep earning as long you keep spending. The accrued rewards will stay in your account until you are ready to redeem. You can redeem the rewards for cash, gift cards, a statement credit, and merchandise.

Navy FCU nRewards Secured Credit Card

Highlights

  • No annual fees
  • No cash advance fees
  • 1x point reward per dollar spent
  • No balance transfer fees
  • 18% fixed APR
  • No rewards limit
  • Cell phone protection
The credit card does not have annual or balance transfer fees
You can get an unsecured credit review after only three months
The credit card can offer extra protection for your cell phones
The card offer rewards for all your purchases without limits
You must have a Navy Fed membership to apply

4) Petal 1 Visa Credit Card

It is rare to find a credit card that does not have a security deposit and does not require a credit history. The Petal 1 Visa Credit Card can help people with bad or no credit build their credit profile without putting a security deposit; making it the ideal online store credit cards that guaranteed approval for people with little or no savings.

The card comes with credit limits of between $500 and $5,000. It does not have annual fees and holders can earn 2% to 10% cashback from select merchants. The credit card attracts variable APRs of between 19.99% and 29.49%.

Petal 1 Visa Credit Card

Highlights

  • 2% to 10% cashback from select merchants
  • $0 annual fee
  • $500 to $5,000 credit limits
  • No credit history
  • 19.99% to 29.49% APR
  • No deposit required
It does not require a security deposit
Attractive cashback rewards
It has a higher credit limit
It does not have annual or international transaction fees
The rewards are only available from select merchants
It does not support balance transfer

5) First Progress Platinum Prestige MasterCard Secured Credit Card

A low APR is a common feature on unsecured credit cards that require excellent credit history, leaving bad credit individuals with expensive cards. Thankfully, the First Progress Platinum Prestige MasterCard Secured Credit Card charges a low variable APR of 9.99%, making it the perfect online store credit cards guaranteed approval with low interest.

You can get approval with no or low minimum credit score. It is an all-feature card that you can use for all your purchases. The card reports to all three major credit bureaus and has a quick application process. The credit card offers you 24/7 online access to your account and requires a fully-refundable security deposit of between $200 and $2,000 to get approval.

First progress master card

Highlights

  • No credit history required
  • 9.99% variable regular APR
  • $49 annual fee
  • 24/7 online access to your account
  • $200 to $2,000 fully-refundable deposit
  • Quick online application
It does not require a credit score to apply
Easy to apply with the online application process
It has a high credit limit
It has annual fees
It does not have a reward program

6) Milestone Gold MasterCard

Milestone Gold MasterCard is an unsecured credit card with low fees and an easy pre-qualification process that does not impact your credit score. The card reports to all three credit bureaus and you can choose your custom card design at no cost for a personal appearance. The credit card is accepted at over 35 million locations worldwide and offers free online account access.

You do not need a security deposit to qualify. The credit card application is straightforward with a fast response. It does not have monthly fees and attracts a low 1% foreign transaction fee. People with previous bankruptcy can apply. However, the credit card has a maximum credit limit of $300.

Milestone Gold MasterCard

Highlights

  • Low 1% foreign transaction fees
  • No monthly fee
  • It does not require a security deposit
  • Easy pre-qualification process
  • $300 maximum credit limit
It has an easy pre-qualification process that will not impact your credit score
People with previous bankruptcy can apply
It does not charge monthly fees
It does not require a security deposit
It has a low credit limit
It does not have a rewards program

7) OpenSky Secured Visa Credit Card

OpenSky Secured Visa Credit Card gives you the flexibility to choose a credit line of between $200 and $3,000. You only need to put down a corresponding security deposit. The credit card does not require credit history and the application will not impact your credit score as there is no credit check.

The card reports to all three major credit bureaus. OpenSky encourages responsible credit building by offering credit tips and an education page on its website. You may also join a Facebook community to share your experiences with other card users. OpenSky Secured Visa Credit Card has an annual fee of $35 and a regular APR of 17.39%.

Open Sky master card

Highlights

  • No credit check required
  • $200 to $3,000 credit line
  • 17.39% regular variable APR
  • $35 annual fees
It does not require a credit check
High credit line
It gives you access to a community and a dedicated education page
It has an annual fee
It does not have a reward program

8) Credit One Bank Unsecured Visa

Credit One Bank Unsecured Visa Credit Card is the winner among online store credit cards guaranteed approval for individuals with bad credit not interested in a secured card. The card does not require you to put down a security deposit to qualify. It further gives you 1% cashback on all your gas and grocery purchases.

You may also earn cashback on your monthly bills like cellphone, cable, internet, and satellite TV. Furthermore, you can earn up to 10% cashback if you participate in the More Cash Back Rewards program like Costco and Walmart. Credit One Bank Unsecured Visa has a regular variable APR of between 17.99% and 23.99% and annual fees of between $0 and $99.

Capitalo ne credit card

Highlights

  • 17.99% to 23.99% regular variable APR
  • $0 to $99 annual fees
  • 1% cashback on eligible purchases
  • Up to 10% cashback from merchants participating in the More Cash Back Rewards program
It does not require a security deposit like most bad credit cards
The APR is reasonably low for an unsecured credit card
It offers rewards for qualifying purchases
You will know the actual fees once you get approved and offered the card
The card has potentially high annual fees

9) The Secured Visa from Merrick Bank

The Secured Visa from Merrick Bank has a low APR of 17.45%, which is lower than most secured credit cards offer. It is best when you are likely to carry a balance as it helps to keep your interests low. The credit card does not require a bank account and offers a credit line of between $200 and $3,000.

The amount you give as security determines your credit line. The provider protects your credit card from unauthorized charges with $0 fraud liability. You will also access free online management tools to help you easily manage your account online. The credit card attracts an annual fee of $36 in the first year and then a $3 monthly.

Merrick Bank

Highlights

  • $200 to $3,000 credit line
  • $36 annual fee during the first year and then $3 monthly
  • 17.45% regular variable APR
  • $0 fraud liability
It offers a high credit limit, depending on your security deposit
You get free access to your FICO score
It has a reasonable APR for balances
You do not need a bank account to apply
It does not offer a rewards program

10) Home Depot Consumer Credit Card

If you are looking for the best-closed loop credit card among the online store credit cards guaranteed approval, you should consider the Home Depot Consumer Credit Card. The credit card can help you save up to $100 on your first in-store purchase.

It is ideal if you have a long list of home improvement projects. It gives you access to a variety of special financing deals, including a 0% APR on select deals for six or more months. Spending $1000 or more on your first purchase helps you save $100. The credit card has a regular variable APR of between 17.99% and 26.99%, but it does not have an annual fee.

Home Depot Consumer Credit Card

Highlights

  • 6 months financing on purchases of $299 or more
  • $0 liability for unauthorized charges
  • Up to 24 months financing during special promotions
  • 17.99% to 26.99% regular variable APR
  • $0 annual fees
It offers access to 0% APR or low-interest financing offers
Help you save $100 on your first purchase
It does not attract annual fees
It does not have a rewards program
You can only use it in Home Depot stores

Frequently Asked Questions (FAQ)

Conclusion

When you are looking for the best online store credit cards guaranteed approval, you should keep in mind that you will get closed-loop cards and open-loop cards. The closed-loop store cards are offered by the store in partnership with financial institutions.

They offer better rewards, but you can only use them on the store and its partners. The open-loop cards give you more freedom as you can use them at any store that accepts credit cards. Open-loop credit cards are more likely to accept people with bad credit than closed loop cards.

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