Will You Get Approved?

Store Card Preapprovals or Prequalification

 

 

Wondering if you’ll qualify for a store card? Browse the list below to see where you might have a chance! While there are no guarantees—and most offers depend on your credit score—the process is simple. Just add an item to your cart and see if a pre-approval offer is displayed at checkout.

Some stores offer this feature at random or only during certain times of the year, so timing can play a role.

Good luck—and happy shopping!

 

 

 

Amazon Store Card Preapproval

Method: Checkout cart soft pull (no hard inquiry)
Score Impact: Final application uses hard pull

⚠️ Notice:
• Preapproval ≠ guaranteed approval
• Requires 640+ credit score (Prime: 660+)
• Synchrony Bank may re-check credit

Target RedCard Preapproval

Method: Checkout soft pull or in-store kiosk (no hard inquiry)
Score Impact: Final application requires hard pull

⚠️ Notice:
• Pre-qualification ≠ guaranteed approval
• Typically requires 650+ credit score
• TD Bank may re-evaluate credit

(Card offers change. Verify terms at Target.com/RedCard)

Best Buy Credit Card Pre-Qualification

Method: Product page popups or checkout (soft pull)
Issuer: Citi Bank
Score Impact: Formal application uses hard inquiry

⚠️ Important Notes:
• Pre-qualification ≠ approval guarantee
• Requires 700+ FICO (reported by users)
• Citi may re-check credit during application

(Offer availability varies. Confirm terms at BestBuy.com/financing)

Walmart Pay Later Options

Method: Affirm financing at checkout
Type: Soft pull prequalification
Score Impact: Full application may use hard pull

⚠️ Key Facts:
• Prequalification ≠ guaranteed approval
• Affirm often requires 600+ credit score

Home Depot Credit Card Prequalification

Method: In-store kiosk or online checkout (soft pull)
Issuer: Citibank
Credit Check: Final application uses hard inquiry

⚠️ Need to Know:
• Prequal offer ≠ approval guarantee
• Reported 620+ FICO often required
• Citibank reviews full credit history upon application

(Offers vary by location. Verify terms at HomeDepot.com/credit)

Kohl's Card Prequalification

Method: Checkout promotions (30% offer triggers soft pull)
Issuer: Capital One
Credit Impact: Full application requires hard inquiry

⚠️ Essential Notes:
• 30% offer ≠ automatic approval
• Requires 640+ credit score (reported)
• Capital One may recheck credit during formal application

(Discount terms vary. Confirm at Kohls.com/credit)

Macy's Credit Card Prequalification

Method: Homepage banners & checkout offers (soft pull)
Issuer: Citibank
Credit Check: Formal application uses hard inquiry

⚠️ Key Details:
• Prequalification ≠ guaranteed approval
• Typically requires 650+ FICO score
• Citibank verifies full credit history upon application

(Promotional APR offers vary. See Macys.com/credit for current terms)

Ulta Credit Card Prequalification

Method: Checkout promotions (20% offer triggers soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Beauty Insider Notes:
• 20% discount offer ≠ automatic approval
• Reported 620+ credit score often required
• Comenity verifies income during application

(Discount applies to first purchase only. See Ulta.com/credit for exclusions)

Chewy Credit Card Prequalification

Method: While browsing pet products (soft pull)
Issuer: Synchrony Bank
Credit Impact: Full application requires hard inquiry

⚠️ Pet Parent Notes:
• Product page offers ≠ guaranteed approval
• Typically requires 640+ credit score
• Synchrony verifies income/employment

(5% back on Autoship orders. See Chewy.com/credit for details)

Wayfair Credit Card Prequalification

Method: Banner offers on product pages (soft pull)
Issuer: Synchrony Bank
Credit Impact: Formal application uses hard inquiry

⚠️ Homeowner Notes:
• "Pre-approved" banners ≠ final approval
• Typically requires 650+ credit score
• Synchrony verifies debt-to-income ratio

(Special financing offers available. See Wayfair.com/credit for current promotions)

Victoria's Secret Credit Card Prequalification

Method: Checkout promotions (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Shopper Notes:
• "Pre-approved" message ≠ guaranteed approval
• Reported 620+ credit score often required
• Comenity verifies income during application

(Special offers change seasonally. See VictoriasSecret.com/credit)

.

Express Credit Card Prequalification

Method: Cart addition may trigger offers (soft pull)
Issuer: Comenity Bank
Credit Impact: Formal application requires hard inquiry

⚠️ Style Notes:
• Cart offers ≠ guaranteed approval
• Typically requires 630+ credit score
• Comenity verifies employment history

(Instant discounts change frequently. See Express.com/credit)

Overstock Financing Prequalification

Method: Checkout offers via Klarna (soft pull)
Provider: Klarna Bank AB
Credit Impact: Full application may use hard inquiry

⚠️ Smart Shopper Notes:
• Pre-approval ≠ final financing approval
• Typically requires 580+ credit score (BNPL)
• Loan amounts vary by cart total

*(Pay in 4 available on orders $35+. See Overstock.com/financing)*

SHEIN Pay Later Prequalification

Method: Checkout financing options (soft pull)
Providers: Klarna/Afterpay
Credit Impact: Full activation may use hard inquiry

⚠️ Trend Alert:
• Pre-approval ≠ guaranteed financing
• BNPL typically requires 580+ credit score
• Limits adjust based on purchase history

*(Pay in 4 available on orders $35+. See SHEIN.com/payment)*

GameStop Financing Prequalification

Method: Cart-triggered offers (soft pull)
Providers: Klarna/Sezzle
Credit Impact: Full activation may use hard inquiry

⚠️ Player Notes:
• Pre-qualification ≠ guaranteed approval
• BNPL typically requires 580+ credit score
• Limits adjust based on account history

Full gamer’s guide | Compare gaming BNPL

*(Pay in 4 available on orders $35+. See GameStop.com/financing)*

 

Sephora Pay Later Prequalification

Method: Checkout financing options (soft pull)
Provider: Klarna
Credit Impact: Full activation may use hard inquiry

⚠️ Beauty Insider Notes:
• Checkout offers ≠ guaranteed approval
• Typically requires 580+ credit score (BNPL)
• Purchase history affects offer amounts

Full beauty financing guide | Compare luxury BNPL

*(Pay in 4 available on $35+ orders. See Sephora.com/payment)*

Urban Outfitters Pay Later Prequalification

Method: Checkout financing prompts (soft pull)
Provider: Afterpay
Credit Impact: Full activation may use hard inquiry

⚠️ Indie Shopper Notes:
• Mid-checkout offers ≠ guaranteed approval
• Typically requires 580+ credit score (BNPL)
• First-purchase limits apply

*(Pay in 4 available on $35+ orders. See UrbanOutfitters.com/payment)*

Ashley Furniture Prequalification

Method: Online soft-check option (no credit impact)
Issuer: Synchrony Bank
Credit Impact: Full application requires hard inquiry

⚠️ Homeowner Notes:
• Prequalification ≠ final approval
• Typically requires 640+ credit score
• Synchrony verifies income/employment

(Special financing offers available. See AshleyFurniture.com/credit)

Bed Bath & Beyond Financing Prequalification

Method: Checkout financing offers (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Home Essentials Notes:
• Checkout offers ≠ guaranteed approval
• Typically requires 640+ credit score
• Comenity verifies income during application

 

Petco Paws Rewards Credit Card

Method: Occasional checkout prequalification (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Pet Parent Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 620+ credit score
• Comenity verifies income/employment

(8% back on P&G products. See Petco.com/credit for current terms)

Lane Bryant Credit Card Prequalification

Method: Frequent checkout promotions (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Style Notes:
• Checkout offers ≠ guaranteed approval
• Typically requires 620+ credit score
• Comenity verifies income history

(15% off first purchase. See LaneBryant.com/credit for current promotions)

J.Crew Credit Card Prequalification

Method: Checkout page promotions (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Style Notes:
• Pre-approval offer ≠ guaranteed card approval
• Typically requires 650+ credit score
• Comenity verifies employment history

(15% off first purchase. See J.Crew.com/credit for current terms)

Ann Taylor Credit Card Prequalification

Method: Checkout financing offers (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Professional Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 650+ credit score
• Comenity verifies employment history

(15% off first purchase. See AnnTaylor.com/credit for current promotions)

Torrid Credit Card Prequalification

Method: Checkout financing promotions (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Curvy Fashion Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 620+ credit score
• Comenity verifies income stability

(20% off first purchase. See Torrid.com/credit for current terms)

Boscov's Credit Card Prequalification

Method: Checkout financing offers (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Shopper Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 630+ credit score
• Comenity verifies income history

(Special discount on first purchase. See Boscovs.com/credit for details)

NY&C Credit Card Prequalification

Method: Style purchase triggers (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Fashionista Notes:
• Pre-approval ≠ guaranteed card approval
• Typically requires 620+ credit score
• Comenity verifies employment status

(Exclusive cardholder sales. See NYandCompany.com/credit)

Zulily Credit Card Prequalification

Method: Cart page banners (soft pull)
Issuer: Synchrony Bank
Credit Impact: Full application requires hard inquiry

⚠️ Flash Sale Notes:
• Prequalification ≠ guaranteed approval
• Typically requires 640+ credit score
• Synchrony verifies income stability

Full deal financing guide | Compare daily deal cards

(Extra 5% back on Zulily purchases. See Zulily.com/credit)

Forever 21 Credit Card Prequalification

Method: Checkout financing options (soft pull)
Issuer: Comenity Capital Bank
Credit Impact: Full application requires hard inquiry

⚠️ Trendsetter Notes:
• Pre-approval offer ≠ guaranteed card approval
• Typically requires 600+ credit score
• Comenity verifies income/employment

(Exclusive cardholder sales. See Forever21.com/credit)

Kohl's Card Prequalification

Method: Occasional checkout offers (soft pull)
Issuer: Capital One
Final Step: Always requires hard inquiry

⚠️ Smart Shopper Notes:
• Pre-approval ≠ guaranteed card
• Typically requires 640+ credit score
• Capital One rechecks full credit history

(30% off first purchase. Terms at Kohls.com/credit)

DSW Rewards Credit Card Prequalification

Method: Cart-triggered messages (soft pull)
Issuer: Comenity Bank
Final Step: Requires hard inquiry

⚠️ Shoe Lover Notes:
• "Pre-approved" ≠ guaranteed card
• Typically requires 620+ credit score
• Comenity verifies income

($10 reward on first purchase. See DSW.com/credit)

Pier 1 Credit Prequalification

Method: Checkout financing options (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Home Decorator Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 630+ credit score
• Comenity verifies income stability

*(Special financing on orders $250+. See Pier1.com/credit)*

Ashley Stewart Credit Prequalification

Method: Checkout financing offers (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Curvy Fashion Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 620+ credit score
• Comenity verifies employment history

(15% off first purchase. See AshleyStewart.com/credit)

BrylaneHome Credit Prequalification

Method: Payment page financing options (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Home Stylist Notes:
• Payment page offer ≠ guaranteed approval
• Typically requires 640+ credit score
• Comenity verifies income stability

*(Special financing on orders $299+. See BrylaneHome.com/credit)*

Jessica London Credit Prequalification

Method: Checkout financing options (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Curvy Style Notes:
• Pre-approval ≠ guaranteed credit line
• Typically requires 620+ credit score
• Comenity verifies income history

(20% off first order. See JessicaLondon.com/credit)

 

Venus Credit Prequalification

Method: Checkout financing promotions (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Fashionista Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 620+ credit score
• Comenity verifies employment status

(15% off first purchase. See Venus.com/credit)

.

Jared Credit Prequalification

Method: Occasional checkout promotions (soft pull)
Issuer: Comenity Bank
Credit Impact: Full application requires hard inquiry

⚠️ Luxury Shopper Notes:
• Checkout offer ≠ guaranteed approval
• Typically requires 680+ credit score
• Comenity verifies income/assets

*(Special financing on $1000+ purchases. See Jared.com/credit)*

 

Stage Stores Credit Options

(Last Verified: [Month/Year])

Historical Context:
🕰️ Previously offered Comenity Bank prequalification
⚠️ Now operates as Brand Central Marketplace
🔍 May still show soft-pull offers during checkout

Current Alternatives:

  1. Brand Central Financing

  2. Comenity Partner Cards

Key Reminders:
• Always verify lender before applying
• Hard inquiry required for final approval
• Retail credit cards typically need 620+ scores