We can’t talk about credit cards without mentioning store branded credit cards, and the good news is, there is for the most part 2 big providers Synchrony Bank & Comenity Bank) that cover most stores and the rest are covered by a few other banks (Capital One, Barclays and even Wells Fargo)
Characteristics of store-branded credit cards can include:
- Accessible to customers with fair or better credit scores (some do not even pull your credit score)
- Chances of approval quite high
- Most often come with no annual fee
- Help improve credit because they report to credit bureaus
- Approval can be instant
- Earn merchant rewards/discounts
Synchrony Store Credit Card Data Points
There are 116 store cards that are run through Synchrony, they are in fact the largest store card provider/underwriter in the US right now.
They predominantly hard pull Transunion and on CLIs they actually use the Credit Karma score engine (aka Vantage 4 score). I would suggest you lock down your Experian account because they have been known to try to hard pull there first before Transunion.
We are hearing that in 2021 several Synchrony cards are starting to pull multiple bureaus for credit approval, most notably the Amazon Prime Store card, and they are pulling Sage Stream now as well. If you have anything frozen they will deny your application and you will have to submit again for another HP.
| Store Card | Datapoints | Prequalifications |
|---|---|---|
| ABT | ||
| Amazon Store Card | 648/ $1000k Pulling multiple Bureaus | |
| American Eagle Outfitters Store Card | Prequal | |
| American Signature Furniture Store Card | ||
| America’s Tire Store Card | ||
| Ariens and Gravely Get the Gear Card | ||
| Ashley Furniture Home Store | ||
| Art Van | ||
| Athleta Store Card | ||
| At Home Store Card | ||
| Babies R Us | ||
| Banana Republic Store Card | ||
| Bargain Outlet | ||
| Belk Store Card | ||
| Bernina | ||
| BH Photo | ||
| Big Sandy Superstore | ||
| Bjorn’s | ||
| Blain’s Farm & Fleet | ||
| BP Visa Fleet Card | ||
| Briggs & Stratton | ||
| CareCredit | ||
| Carpet One | ||
| CarCareONE Store Card (Pep Boys) | ||
| CheapOair | ||
| Chevron And Texaco: Techron Advantage Premium Card | ||
| Chevron And Texaco: Techron Advantage Card | ||
| Citgo Rewards Card | ||
| City Furniture | ||
| Conoco Store Card | ||
| Discount Tire Store Card | ||
| Dillards | ||
| DX Engineering | ||
| Electronics Express | ||
| Ethan Allen Store Card | ||
| Evine Line Store Card | ||
| Flooring America | ||
| Furniture Row | ||
| Freedom To Ride | ||
| GAP Store Card | ||
| Guitar Center Store Card | ||
| Havertys Store Card | ||
| Hudson’s Furniture | ||
| Husqvarna | ||
| Hyde Park Jewelers Precious Store Card | ||
| JCPenney | ||
| Jewelry Exchange Store Card | ||
| Kraft Music | ||
| La-Z-Boy | ||
| Lenscrafters | ||
| Levin Furniture | ||
| Lowe’s Store Card | 721/$17,000 750/$35,000 757 /3.3k- $35k CLI 699 /$300- $12,000 CLI More Info | Prequal |
| Lumber Liquidators | ||
| Maaco | ||
| Mavis Tire | ||
| Mattress Firm | ||
| McCoy’s | ||
| Meineke | ||
| Metro Mattress | ||
| Midas Store Card | ||
| Mohawk Flooring | ||
| Morris Home Furnishings | ||
| Musician’s Friend | ||
| Napa EasyPay Store Card | ||
| Nautilus | ||
| Newegg | ||
| Old Navy | Prequal | |
| OneTravel | ||
| PayPal Credit | Credit Services 877-379-8175 | |
| Pepboys | Prequal | |
| P.C. Richard & Son | Prequal | |
| Regency Furniture Showroom | ||
| Rooms To Go | ||
| Sam Ash | ||
| Sam’s Club Store Card | ||
| ScoreCard Store Card (Golf Galaxy, Dick’s Sporting Goods, Field & Stream) | ||
| Sewing & More | ||
| Shaw Floors | ||
| Sheely’s Furniture | ||
| Sleep Experts | ||
| Sleep Number | ||
| Sleepy’s | ||
| Specialized | ||
| Stein Mart | ||
| Summit Racing Equipment Speedcard | ||
| Sutherlands | ||
| System Pavers | ||
| Sweetwater | Prequal | |
| Tire Pros | ||
| TJX Store Card | ||
| Westrich Furniture & Appliances | ||
| Value City Furniture | ||
Video: Complete Synchrony Bank Playlist
This is the playlist from our youtube channel, the videos I can tell you are most important to watch are the ones talking about Synchrony bank cutting limits ($40k or more for some) so you know the risks before you even try to get ANY store cards.
Additional Synchrony Store Card Information
Lowes Storecard
- No matter what you get approved for, call credit solutions and tell them you’d like them to reconsider your credit limit. Tell them you have home improvement project in the works. Ask for $35,000
- If they unable to give that amount, they will counter offer
- Call my favorite number 1-877-379-8173
Video: Lowes Store Credit Card
Synchrony Backdoor Phone Numbers
Synchrony Bank: 1-800-480-0186 (new accounts ID Vertification: Monday-Friday 8AM ET-Midnight 12 ET.)
Synchrony: 866-664-2315 (Fraud/Verification/New Accounts )
Synchrony: (except WalMart): 866-419-4096
Synchrony: 937-534-6180 ( Fraud Dept/locked account)
Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions)
Synchrony Credit Solutions: 877-379-8175
Synchrony Credit Solutions: 877-379-8173 (Overseas)
Corporate Accounts: 1-866-913-4275
Comenity Store Credit Card Data Points
Comenity bank is responsible for 91 store cards at the time of writing this, they DO provide pre-qualifications for many of their cards and with some they in fact do not even hard pull your credit file.
Comenity pulls your Experian (sometimes they pull Equifax) credit file and they look for 640+ even though I have heard of all the way into 580s getting approved.
Also keep in mind that some cards that offer a pre-qual and only ask for last 4 of your SSN may in fact still pull a hard inquiry. That is why its best to keep your Experian locked through the pre-qual process and then unlock if you want to actually get a new card.
| Store | Datapoints |
|---|---|
| Abercrombie & Fitch | |
| American Home | |
| American Kennel Club | |
| Ann Taylor | |
| Appleseeds | |
| Arhaus Archarge | |
| Ashley Stewart | |
| Avenue | |
| Barneys New York | filed for BK this year |
| Bealls Florida | |
| Bed Bath & Beyond | |
| Bedford Fair | |
| Big Lots | |
| BJs- Bulk store, not restaurant | |
| Blair | |
| Blue Nile | |
| Boscovs | |
| BrylaneHome | |
| Buckle | |
| Burkes Outlet | |
| Camping World/Good Sam | |
| Catherines | |
| Chadwicks of Boston | |
| Children's Place | |
| Christopher & Banks | |
| Colombian Emeralds | |
| Crate & Barrel | |
| David's Bridal | |
| Drapers & Damons | |
| DSW | |
| Eddie Bauer | |
| El Dorado Furniture | |
| Express Next | |
| Forever 21 | |
| FullBeauty | |
| Gamestop | Accepts lower 600s |
| Gardner White Furniture | |
| Gordmans | |
| Haband | |
| Home & Garden Showplace | |
| Hot Topic | |
| HSN | |
| Iddeal | |
| Ikea | 770/ $16,000 |
| J Crew | |
| Jessica London | |
| J Jill | |
| Joss & Main | currently offer a prequal |
| KingSize | |
| Lane Bryant | |
| Lexus Visa | Prequal |
| Little Switzerland Jewels | |
| LOFT | |
| Marisota From JD Williams | |
| Meijer | |
| Modells | |
| New York & Company | |
| Old Pueblo Traders | |
| Orbitz | |
| Overstock.com | 640/$2200 |
| Palais Royal | |
| Peebles | |
| Piercing Pagoda | |
| Pier 1 imports | |
| Pottery barn | |
| Roamans | |
| Roomplace | |
| Restoration Hardware | |
| Smile Generation Financial | |
| Sportsman's Guide | 680/$2500 |
| Stage Stores | |
| Tile Shop | |
| Tog Shop | |
| Torrid | |
| Total Rewards | |
| Toyota rewards visa | Prequal |
| Trek | |
| True Value | 640/$350 |
| Venus | |
| Victoria's secret | 640+ |
| West Elm | |
| Williams-Sonoma | |
| Winter Silks | |
| Woman Within | |
| Ulta | |
| Zales | |
| Z Gallerie | |
Please keep in mind that as with any data, NONE of the above is meant to be any sort of guarantee, its merely data that you can use to get a leg up.
Comenity Backdoor Phone Numbers
Comenity: 800-303-1368 (Recon)
Comenity: 614-729-3159
Comenity Account Protection: 866-668-5450 (Verification of identity)
Comenity Account Control: 800-888-1726 (Assistance if ID Verification has failed)
Comenity Fraud Dept: 866-668-5446 ( lost/stolen card) open at 8:00AM EST
Other Co-Branded Store Credit Cards
| Store | Lender | Datapoints | Credit |
|---|---|---|---|
| Bobs Discount Furniture | Wells Fargo | Prequal Pulls Tu | |
| Cocoon by Sealy | Wells Fargo | Prequal | |
| Microcenter Insider Card | Wells Fargo | ||
| Tempur-pedic | Wells Fargo | Prequal | |
| Wayfair | Citibank | Prequal | |
| Home Depot | Citibank | Prequal | |
| Walmart Store Card | Capital One | Prequal | Good-Excellent |
| Kohls Store Card | Capital One | Prequal * | |
| Pottery Barn Key Rewards | Capital One | Pulls All 3* | Excellent |
| Williams Sonoma Key Rewards | Capital One | ||
| West Elm Key Rewards | Capital One | ||
| The Key Rewards | Capital One | ||
| Yamaha Vehicles | Webbank | Prequal | |
| Dell Preferred Account | Webbank | Prequal | |
| Gardner White Furniture | Fortiva | Prequal | |
| Bob Mills Furniture | Fortiva | Prequal | |
*Kohls: Users reporting it pulls Transunion not all 3, this could be based on your location when applying.
*Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, Williams Sonoma, Williams Sonoma Home, West Elm, and Mark & Graham are all covered under the Williams Sonoma Key Rewards, West Elm Key Rewards, The Key Rewards, Pottery Barn Key Rewards. Not sure why they have individual cards for each one if the 5% cash back applies to each one.
All 4 of these cards have an Excellent credit rating requirement from Capital One which is based off their own internal guidelines. There are no pre-qualifications yet.
