Best Instant Approval Store Credit Cards Of April 2024

Amazon.com is the largest online retailer in the world, and with the Prime Visa, you can choose between an impressive rewards rate or promotional 0% APR financing for up to 12 months on eligible purchases with the company, followed by a 19.49% - 27.49% Variable APR. You’ll also be able to use the card anywhere else Visa is accepted.

Rewards: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on other purchases.

Welcome offer: Earn $100 Amazon gift card upon approval with an eligible Prime membership.

Annual fee: $0

Other benefits and drawbacks: You can use your rewards to pay for eligible purchases at Amazon.com, cash, travel, gift cards and products or services made available through the program or directly from third parties.

The card also offers some travel benefits, including travel accident insurance, lost luggage reimbursement, baggage delay insurance, auto rental collision damage waiver and no foreign transaction fees. Purchase protection and extended warranty protection are available, as well.

That said, you must be an Amazon Prime member to qualify for the card’s 5% rewards rate. If you aren’t a Prime member or cancel your membership, you’ll earn just 3% in those bonus categories.

With the Capital One Walmart Rewards® Mastercard®*, you’ll earn outsized rewards on Walmart purchases, in-store as well as online, during your first year with the card. You can also use the card anywhere Mastercard is accepted.

Rewards: Earn 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery, 2% cash back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% back everywhere else.

Welcome offer: Earn 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when using the Capital One Walmart Rewards card with Walmart Pay.

Annual fee: $0

Other benefits and drawbacks: If you’re not eligible for the card, you’ll automatically be considered for the closed-loop Walmart Rewards Card, which can only be used at Walmart.

You can redeem your rewards for a variety of things, including statement credits, a paper check, gift cards and travel.

However, there are no other popular store card benefits like free shipping or promotional financing.

If you’re a Costco member, the Costco Anywhere Visa® Card by Citi* offers extra cash back on Costco purchases, along with accelerated rewards on everyday purchases like gas, dining and travel. And you can use it anywhere Visa is accepted. You can also use the credit card as your membership card, making your bulk shopping trip go more smoothly.

Rewards: Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on purchases from Costco and Costco.com and 1% cash back on all other purchases. A Costco membership is required to apply.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The card offers some insurance protections, including purchase protection, travel accident insurance and worldwide car rental insurance. You also don’t have to worry about foreign transaction fees.

However, it might be an issue for some that a Costco membership is required to get the card, and if you cancel it, your account will be closed. Finally, rewards are issued just once a year in February as a certificate. You can use the funds to pay for Costco purchases, or you can request cash back, but you need to do it in person at a Costco warehouse.

The card doesn’t offer promotional financing.

The Gap Good Rewards Credit Card* offers excellent rewards on clothing purchases with Gap, Banana Republic, Old Navy and Athleta. You’ll also get free, fast shipping on eligible online orders.

Rewards: Earn 5 points per dollar at Gap, Banana Republic, Old Navy & Athleta.

Welcome offer: Earn 20% off the first purchase after opening account. Exclusions apply.

Annual fee: $0

Other benefits and drawbacks: The card also offers rewards on other purchases. Use it anywhere Mastercard is accepted—but there are no everyday bonus rewards categories.

You can, however, get bonus points quarterly and annually when you consistently shop with one or more Gap brands. Early access to sales and exclusive member-only offers are also on the table.

Like many other store cards, you can only use your rewards on purchases from the Gap family of brands. There’s also no promotional financing available.

With the Key Rewards Visa*, you can earn elevated rewards on furniture and home decor with seven different brands, including Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm and Mark & Graham. You’ll also earn a solid rewards rate on grocery store and restaurant purchases—you can use the card anywhere Visa is accepted.

Rewards: Earn 5% back online and in stores across seven Williams-Sonoma, Inc. brands, 4% back at grocery stores and restaurants (excludes fast food) and 1% back on everything else.

Welcome offer: Earn 10% back across seven Williams Sonoma brands on the first 30 days from account opening, 5% thereafter, or special financing for 12 months on qualifying purchases of $750 or more.

Annual fee: $0

Other benefits and drawbacks: The card also offers promotional financing on eligible purchases, free standard shipping at Williams Sonoma and a $25 birthday reward every year.

However, the rewards you earn can only be redeemed toward purchases with Williams-Sonoma, Inc. brands. Cashback, statement credits and other common redemption options aren’t available.

If you’re not eligible for the Key Rewards Visa, Capital One will automatically consider you for the closed-loop Key Rewards Card, which can only be used at the seven Williams Sonoma brands.

The Target RedCard™ Credit Card* may be a no-brainer for frequent Target shoppers. The card offers a solid discount on every eligible Target purchase you make, along with free shipping, an extra 30 days to return items and access to special items and offers.

Rewards: Earn 5% off on purchases at Target in store or online purchases.

Welcome offer: $50 credit towards a qualifying purchase of $50 or more upon approval for the card.

Annual fee: $0

Other benefits and drawbacks: The Target RedCard is a closed-loop card, which means you can’t use it anywhere else. This is different from the Target Mastercard, which can be used anywhere Mastercard is accepted. And since you’re getting a discount, there are no cash-back rewards you can use for future purchases or other redemptions.

Further, there are no promotional financing offers available. If you don’t qualify for the card or you’d rather not add another credit account, you can opt for the Target Debit RedCard instead and receive many of the same benefits.

If you’re a DIYer, the MyLowe’s Rewards Credit Card* offers a solid discount on purchases or reduced special financing on eligible purchases made with the home improvement retailer. Lowe’s also runs special financing promotions with longer terms for certain large purchases.

Rewards: Earn 5% off every eligible purchase or order.

Welcome offer: Earn 20% off your purchase when you open and use a new account now through 1/31/24. Exclusions apply.

Annual fee: $0

Other benefits and drawbacks: The card offers no other notable benefits. What’s more, it can only be used at Lowe’s stores. Because you’re earning a discount on your purchases, there’s no cash back you can use for future purchases or other redemptions.

The Kohl’s Card* offers standout rewards on purchases at Kohl’s, as well as other benefits, including receipt-free returns, a special anniversary offer, exclusive savings and other perks for cardholders who spend a lot with the card.

Rewards: Earn 7.5% rewards when using a Kohl's Card as a Rewards Members or 5% otherwise.

Welcome offer: Earn 35% off one transaction when card is used within 14 days of approval.

Annual fee: $0

Other benefits and drawbacks: Rewards are issued in the form of Kohl’s Cash, which you can only use with the retailer. What’s more, you only have 30 days to spend your Kohl’s Cash, giving you far less flexibility compared to other store cards.

The Kohl’s Card is closed-loop, so you can’t use it anywhere else. The card’s issuer, Capital One, also offers a Kohl’s Rewards Visa Card, which can be used with other merchants and offers bonus rewards on gas and grocery store purchases. While some Kohl’s Cardholders have had their accounts converted to the new card, it’s not currently available for new applications.