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Best Instant Approval Credit Cards for Online Shopping

Andrew Reyes
A person handing a store clerk their credit card.

If you regularly shop at one or more retailers, a store card can deliver many perks, including cash back, rebates, and low-to-no annual fees. In many instances, these benefits apply whether you shop at the retailer directly or at third-party stores (including for groceries and gas).

Table of Contents

Credit Cards With Quick Approval for Online Shopping

Below, we take a look at our top 10 store credit cards. Specifically, we outline each one’s annual fees, regular and intro annual percentage rates (APRs), rewards rates, and other pertinent details.

Costco Anywhere Visa® Card by Citi

Designed exclusively for Costco members, Citi’s Costco Anywhere Visa Card features no annual fee, a 15.24% variable APR, no foreign transaction fees, and cash back rewards ranging between 1% and 4% on all eligible purchases.

There’s also no annual fee (besides the cost of a Costco membership), and you’ll receive your rewards via a certificate that’s redeemable for cash or merchandise at all U.S. Costco locations.

  • Annual fee:N/A;
  • Regular APR:15.24% (variable);
  • Intro APR:N/A;
  • Rewards rate:4% cash back on gas purchases (only applies to the first $7,000 annually) and then 1% thereafter; 3% cash back on restaurants and travel; 2% cash back on purchases made at Costco; 1% rewards on all remaining purchases.
  • Compare other rewards credit cards:

NASCAR® Credit Card from Credit One Bank®

The NASCAR Credit Card from Credit One Bank doesn’t come with an intro APR, although the normal variable APR ranges between 17.99% and 23.99%.

You’ll receive 1% cash back on eligible purchases and double cash back at the NASCAR Shop with the card. But keep in mind that you’ll have to pay an annual fee between $0 and $99.

If Credit One offers, you can also transfer a balance to your NASCAR card account.

  • Annual fee: $0 to $99;
  • Regular APR: 17.99% to 23.99% (variable);
  • Intro APR: N/A;
  • Rewards rate:1% cash back; double cash back on purchases at the NASCAR Shop.
  • Compare other rewards credit cards:

Capital One® Walmart Rewards® Mastercard®

The Capital One Walmart Rewards Mastercard comes with a wide variety of cash-back offers between 1% and 5% at Walmart.com, in Walmart stores, and even third-party retailers. You can redeem your rewards for cash back, credits on your statements, travel, and gift cards.

The Capital One Walmart Rewards Mastercard also features no annual fees, no foreign transaction fees, and $0 fraud liability coverage.

  • Annual fee: N/A;
  • Regular APR: 17.99% to 26.99% (variable);
  • Intro APR: N/A;
  • Rewards rate:5% cash back on Walmart.com purchases; 2% cash back on purchases in Walmart stores and Murphy USA fuel stations; 1% cash back on all other purchases at third-party retailers.
  • Compare other rewards credit cards:

Amazon Prime Rewards Visa® Signature Card

The Amazon Prime Rewards Visa Signature card offers 1% to 5% cash back that doesn’t expire, depending on purchase type. APRs range between 14.24% and 22.24%, and you’ll receive a $70 Amazon.com gift card upon approval.

Unlike some other retail cards, the Prime Rewards Visa’s points don’t expire, there’s no limit on how much cash back you can earn, and there’s no minimum amount required to redeem your points on Amazon.com.

Keep in mind, though, that you’ll need to purchase an annual Prime membership to qualify for this card.

  • Annual fee: $0, although you’ll have to purchase an Amazon Prime membership for $119;
  • Regular APR: 14.24% to 22.24% (variable);
  • Intro APR: N/A;
  • Rewards rate: 5% cash back on Amazon and Whole Foods purchases; 2% back at restaurants and gas stations; 1% on utilities, rideshares, and all remaining purchase types.
  • Compare other rewards credit cards:

Sam’s Club® Mastercard®

The Sam’s Club Mastercard is accepted at all Sam’s Club and Walmart locations nationwide. It offers a variety of cash-back options between 1% and 5% for purchases on everything from gas and dining to in-store purchases. There’s also no annual fee, and the Mastercard doubles as your membership card.

The issuer caps rewards at $6,000 per year, at which point your gas rewards rate will drop to 1%. Also, you only receive your rewards once per year.

  • Annual fee: N/A;
  • Regular APR: 14.90% to 22.90% (variable);
  • Intro APR: N/A;
  • Rewards rate: 5% cash back on gas anywhere, but only up to $6,000 per year, after which it drops to 1%; 3% cash back while dining; 1% cash back other purchases.
  • Compare other rewards credit cards:

My Best Buy® Visa® Card

If you’re looking for a cash-back store card, the My Best Buy Visa Card delivers APRs between 1% and 6% on Best Buy purchases, as well as gas, groceries, dining, and other purchases. There’s a small annual fee (down to $0) and a variable APR, both of which are based on your creditworthiness.

As long as your account is active every 12 months, your points don’t expire, and you’ll automatically receive rewards certificates by email once you reach 250 points. And when the time comes, you can pay your bills online, by mail, over the phone, and even by text message.

  • Annual fee: $0 to $59, based on creditworthiness;
  • Regular APR: 10.74% to 27.99% (variable); 9.99% to 20.24% (non-variable);
  • Intro APR: N/A;
  • Rewards rate: 6% on Best Buy purchases for ElitePlus members; 5% on Best Buy purchases for non-ElitePlus members; 3% on gas; 2% on groceries and dining; 1% on all other purchases.
  • Compare other rewards credit cards:

Macy’s American Express® Card

Macy’s American Express Card provides up to 3% cash back when you shop just about anywhere, including restaurants, gas stations, supermarkets, and many other retailers. In addition, cardholders earn a $10 Star Money reward for every 1,000 points, which you can use to purchase anything at Macy’s.

The Macy’s American Express Card also comes with no annual fees and a relatively steep 25.24% (variable) APR.

  • Annual fee: N/A;
  • Regular APR: 25.24% (variable);
  • Intro APR: N/A;
  • Rewards rate: 3% at restaurants (including delivery); 2% at gas stations and supermarkets; 1% everywhere else.
  • Compare other rewards credit cards:

Bed Bath & Beyond® Mastercard®

The no-annual-fee Bed Bath & Beyond Mastercard offers various cash-back opportunities, including 5% at the retailer, 2% on gas and groceries, and 1% on other purchases.

The Mastercard doesn’t offer an intro APR, but it does deliver several signup bonuses, including a coupon for $25 to $100, as well as $25 to $75 gift certificates. This only applies, however, if you spend $1,000 to $6,000 on outside brands during the first three to six months.

You can even avoid interest on your initial purchases as long as you repay your balance within six to 12 months, depending on the amounts.

  • Annual fee: N/A;
  • Regular APR: 23.99%, 17.99%, or 13.99%, based upon your creditworthiness;
  • Intro APR: N/A;
  • Rewards rate: 3% at restaurants (including delivery); 2% at gas stations and supermarkets; 1% everywhere else.
  • Compare other rewards credit cards:

American Eagle Outfitters Connected Visa® Credit Card

With the American Eagle Outfitters Connected Visa Card, you’ll earn five points per $1 spent. You can redeem certificates for in-store or online purchases, including sale merchandise. You’ll even have the opportunity to combine your certificates with other offers.

A unique aspect of the American Eagle card is that you can utilize the Pick Your Own Sale Day option once per year, where you’ll earn an additional 20% off once per year. You’ll also receive 20% off your first AE purchase and 10% off future purchases, plus free shipping and returns.

  • Annual fee: N/A;
  • Regular APR: 27.74% (variable);
  • Intro APR: N/A;
  • Rewards rate: Earn five points per $1 spent; 20% off first purchase; 10% off future purchases.
  • Compare other rewards credit cards:

REI Co-op World Elite Mastercard®

If you’re an outdoor enthusiast, the REI Co-op World Elite Mastercard delivers rebates between 1% and 5% on all full-price and discount items, gift cards, and REI Adventures trips. You’ll also receive a $100 REI gift card after your first purchase within 60 days, and there’s no limit to the number of rewards you can earn.

What’s more, every time you use your card, REI donates to nonprofits that work to advance access to the outdoors.

  • Annual fee: N/A, although you’ll have to purchase a $20 REI membership;
  • Regular APR: 13.99 to 23.99% (variable);
  • Intro APR: N/A;
  • Rewards rate: 5% rebate at REI; 2% rebate with mobile wallet purchases; 1% on other purchases.
  • Compare other rewards credit cards:

How to Get an Instant Approval Credit Card for Online Shopping

The process for obtaining approval on your favorite store’s credit card starts with filling out an online application. During this process, you’ll need to provide important information like your legal name, date of birth, address, Social Security number, and annual income.

In many instances, store credit cards provide instant approvals, so you’ll quickly know where you stand. Keep in mind, though, that the higher your credit score and the lower your utilization rate (your card balances vs. total credit line), the more likely you are to receive approval with a competitive APR.

How to Pick the Online Shopping Credit Card With Instant Approval

If you frequently shop at a specific retailer, it’s a good idea to apply for their credit card. This way, you can earn cash back and gain access to other offers and perks not available to those without the card.

However, just like other options, store credit cards come with a wide variety of APRs and other fees. As a result, it’s wise to read through each card’s terms so you can fully understand what you’re getting yourself into. Also, this helps ensure you choose a card you can afford that delivers competitive rates and other benefits.


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