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Best Online Store Credit Cards Guaranteed Approval In 2019

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Summary: Find the best online store credit cards that have guaranteed approval and that can help grow your credit.

1st Place

fingerhut logo

9.8 / 10

(52,462 Reviews)

How It Works


How it Works:

Build your credit by shopping in Fingerhut's online store, similar to how you use Amazon.


Easy Steps to Start

1. 

Apply for Fingerhut Credit

Free to apply

2.

Shop from Fingerhut Store

Over 450,000 products from brands such as Dyson, Sketchers, and Samsung

3. 

Make On-Time Payments

Grow your credit while making payments as low as $7.99 per month


What We Like:

  • Founded in 1948 and owned by Macy's
  • Millions of customers 
  • 34,478 5-Star Reviews on Trust Pilot
  • Credit Boost Speed: 30 Days
  • Estimated Credit Impact: *20 To 40 Points
  • ​Cost To Start: $0 ​

Finding a good store credit card when you have bad credit can be very frustrating.

And if you apply for cards you can't get approved for, you will be getting inquires on your credit for no reason.

But here's the thing: 

Getting an online store credit card with guaranteed approval is actually simple and there are several options to choose from.

In this post today I will go over which online store cards are best for bad credit and that will pretty much guarantee your approval. 

But... First things first.

How We Chose The Best Cards

We used several factors to determine our pick for the best online store credit cards that guarantee your approval.

We used the below factors:

Application Process

We looked at both the speed and ease of each application to see who had the better overall process. 

Annual Fee

Both of these cards have an annual fee, so we used this as a factor when picking each card.

APR

One of the most important parts about any credit card will be the APR, so we made sure to use this as a ranking factor.

Approval Process

Each card boasts it can get almost anyone approved, we researched each card to see if they actually did what they promised.

Customer Service

Last but not least, we wanted to see how their customer service functioned and which company had the best overall customer service.


Our 1st Choice


Fingerhut Credit Card Account

ANNUAL FEE

$0

REGULAR APR

29.99% APR

RECOMMENDED CREDIT SCORE

350 - 679 / Poor To  Average

Customer Service:
Fingerhut has 24/7 customer service and they are easy to reach by calling:   800-208-2500.

Why We Like Fingerhut As The Winner

Outside of the fact that a Fingerhut account helped our co-founder increase his credit score by 163 points; Fingerhut is a super easy account to obtain.

An account with Fingerhut doesn't come with an annual fee and it reports to all three major credit bureaus. 

To make things better, pretty much no one will be declined because you will either be approved for an Advantage account or a Fresh Start account.

If you are trying to rebuild or establish credit and want a pretty much guaranteed approval, then the Fingerhut credit card account is definitely worth a look.

Pros & Cons

While this account is an excellent option for re-building your credit or getting your credit started, there are still some things you must consider when making a choice; below we list the pros and cons of the card:

Pros

  • Build Your Credit - Your on-time payments will report to Equifax, Experian, and Transunion.
  • No Annual Fee - You don't need to worry about huge annual fees eating into your credit limit.  
  • Guaranteed Approval - Seriously, you will get approved for at least one of their accounts.
  • 400,000 Items To Choose From - The best thing with Fingerhut is that you get to choose from thousands of everyday Items to purchase.

Cons

  • Can Only Use At Fingerhut - You can only use your credit limit at Fingerhut.com and no other store or location.
  • 29.99% Interest Rate - The interest rate is really high; however, it's a really small price to pay to get your credit back in shape.
  • Hard Credit Pull - While your approval is pretty much guaranteed, you will still receive a hard credit pull.

Product Overview

If you are trying to build or rebuild your credit then you need to add this to your toolbox.

You won't be using Fingerhut to furnish your home; however you can use it to purchase a few things you need and estabilsh your credit.

If you pay your bill on-time after a few months you will start to receive credit limit increases. 

These are great because they put you in a position to have lower credit utilization and a higher available credit limit.

Overall, this is the best place to start for a low cost, guaranteed way to start building credit.

Our 2nd Choice


Horizon Gold Credit Card

ANNUAL FEE

$300.00

REGULAR APR

0% APR

RECOMMENDED CREDIT SCORE

0 - 679 / Poor To  Average

Customer Service:
Horizon Gold has some of the worst customer service reviews and even has a warning on their BBB page about customer service so don't expect much. 

Why We Picked Horizion Gold As Second

The best thing about Horizion Gold is that you are guaranteed a credit limit of $500 dollars to use inside the Horizion Network.

This network doesn't have anywhere near as much as Fingerhut when it comes to choices; however, it doesn't have an APR for the items you purchase.

But don't be fooled by 0% APR, as you read above this card comes with about $300 in annual fees putting it in second place.

It also isn't the best option if you are trying to build credit because it only reports to 1 credit reporting agency.

Pros & Cons

This is one of the first accounts where there are more things we don't like about this card than we do like.

Pros

  • No Employment Required - No proof of income or employment is needed to obtain this account.
  • No Credit Check - Seriously, you will not harm your credit if you apply for this card.

Cons

  • $300 Annual Fee - A $300 annual fee is charged to your balance throughout the year making this a very bad
  • Reports To Only 1 Credit Bureau - This account will only report to one credit reporting agency and Horizion doesn't say which one. 
  • Can Only Use At Horizion - You can only use your credit limit at Fingerhut.com and no other store or location.
  • $5.00 Card Activation Fee - They already want a crazy annual fee and they even charge you to activate the card.

Product Overview

This products sounds great on the surface with a 0% APR, guaranteed approval and a starting credit limit of $500.00.

However, your annual fee is going to be over 50% of your actual credit limit... EVERY YEAR!

This is an absolute No No and honestly we don't recommend this option unless it is your only Option.

You should go with Fingerhut instead.

Our Third Choice


Net First Platinum Card

4.5 / 10  - Read  Our  Review

ANNUAL FEE

$300.00

REGULAR APR

0% APR

RECOMMENDED CREDIT SCORE

0 - 679 / Poor To  Average

Customer Service:
Net First Platinum is a third party card of the Horizon network and also  has some of the worst customer service reviews when it comes to the BBB. 

Why We Picked Net First Platinum As Third

Netfirst Platinum is a third party card to the Horizon Network and it functions exactly like thet Horizion Gold card.

So, you are guaranteed a credit limit of $500 dollars to use inside the Horizion Network.

As discussed earlier, this network doesn't have anywhere near as much as Fingerhut when it comes to choices.

You will still get the same Zero percent APR for the items you purchase.

But don't be fooled by 0% APR, as you read above this card comes with about $300 in annual fees putting it in third place.

It also isn't the best option if you are trying to build credit because it only reports to 1 credit reporting agency.

Pros & Cons

This is another account where there are more things we don't like about this card than we do like.

Pros

  • No Employment Required - No proof of income or employment is needed to obtain this account.
  • No Credit Check - Seriously, you will not harm your credit if you apply for this card.

Cons

  • $300 Annual Fee - A $300 annual fee is charged to your balance throughout the year making this a very bad
  • Reports To Only 1 Credit Bureau - This account will only report to one credit reporting agency and Horizion doesn't say which one. 
  • Can Only Use At Horizion - You can only use your credit limit at Fingerhut.com and no other store or location.
  • $5.00 Card Activation Fee - They already want a crazy annual fee and they even charge you to activate the card.

Product Overview

This products sounds great on the surface with a 0% APR, guaranteed approval and a starting credit limit of $500.00.

However, your annual fee is going to be over 50% of your actual credit limit... EVERY YEAR!

This is an absolute No No and honestly we don't recommend this option unless it is your only Option.

You should go with Fingerhut instead.

Are Online Store Credit Cards With Guaranteed Approval Worth It?

If you plan to build or establish credit then an online store card with guaranteed approval is absolutely worth it; especially if you have bad credit.

One of the best things that can come out of getting a guaranteed approval store credit card is that you increase your credit score.

While they do give you access to some everyday Items you can purchase, shopping in these networks on a regular basis is not how these accounts should be used.

Your primary focus should be using them to establish a good payment history, get as many credit limit increases as possible, and to help with your mix of credit.

Eventually you want to get to a point where you can have a strong enough credit score to get an unsecured credit card even if you still have bad credit. 

Once this account has served its purpose you should keep it active but not use it at all. If anything use it once every 6 months to just keep it active.

Taking Action & Next Steps

Like most people, I didn't grow up in a home that provided me with a credit education, and we didn't learn about credit or how to be financially responsible in school.

Usually our first time learning about credit is when we are in a situation where we need it, but don't have it.

Now that you have the basics and understand what credit is, you should take our Free 90 Day Credit Sprint Challenge.

You have done the right thing and started to take responsibility for your financial future, there is no reason to stop here.

Now that you know what the best online store credit cards with guaranteed approval are it's time to take action.

While you can choose any option above, in my honest opinion you should start with Fingerhut

Credit education is also essential when it comes to obtaining new credit and you are in the right place for that.

You should take our Free 90 Day Credit Sprint Challenge and boost your score to 100+ points like our Co-Founder Mark did.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.


sa_el_co_founder

By Sa El
Last Updated 10/29/19


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