Master Store Credit Card Lender List

Master Store Credit Card Lender List

Table of Contents

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 CardDatapointsPrequalifications
Amazon Store Card648/ $1000k
Pulling multiple Bureaus
American Eagle Outfitters Store CardPrequal
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
BH Photo
Big Sandy Superstore
Blain’s Farm & Fleet
BP Visa Fleet Card
Briggs & Stratton
Carpet One
CarCareONE Store Card (Pep Boys)
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
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
Hyde Park Jewelers Precious Store Card
Jewelry Exchange Store Card
Kraft Music
Levin Furniture
Lowe’s Store Card721/$17,000
757 /3.3k- $35k CLI
699 /$300- $12,000 CLI
More Info
Lumber Liquidators
Mavis Tire
Mattress Firm
Metro Mattress
Midas Store Card
Mohawk Flooring
Morris Home Furnishings
Musician’s Friend
Napa EasyPay Store Card
Old NavyPrequal
PayPal CreditCredit Services 877-379-8175
P.C. Richard & SonPrequal
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
Stein Mart
Summit Racing Equipment Speedcard
System Pavers
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
Arhaus Archarge
Ashley Stewart
Barneys New Yorkfiled for BK this year
Bealls Florida
Bed Bath & Beyond
Bedford Fair
Big Lots
BJs- Bulk store, not restaurant
Blue Nile
Burkes Outlet
Camping World/Good Sam
Chadwicks of Boston
Children's Place
Christopher & Banks
Colombian Emeralds
Crate & Barrel
David's Bridal
Drapers & Damons
Eddie Bauer
El Dorado Furniture
Express Next
Forever 21
GamestopAccepts lower 600s
Gardner White Furniture
Home & Garden Showplace
Hot Topic
Ikea770/ $16,000
J Crew
Jessica London
J Jill
Joss & Maincurrently offer a prequal
Lane Bryant
Lexus Visa Prequal
Little Switzerland Jewels
Marisota From JD Williams
New York & Company
Old Pueblo Traders
Palais Royal
Piercing Pagoda
Pier 1 imports
Pottery barn
Restoration Hardware
Smile Generation Financial
Sportsman's Guide680/$2500
Stage Stores
Tile Shop
Tog Shop
Total Rewards
Toyota rewards visa Prequal
True Value640/$350
Victoria's secret640+
West Elm
Winter Silks
Woman Within
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

Bobs Discount Furniture Wells Fargo Prequal
Pulls Tu
Cocoon by Sealy Wells FargoPrequal
Microcenter Insider CardWells Fargo
Tempur-pedic Wells Fargo Prequal
Home DepotCitibankPrequal
Walmart Store CardCapital OnePrequalGood-Excellent
Kohls Store CardCapital One Prequal
Pottery Barn Key RewardsCapital One Pulls All 3*Excellent
Williams Sonoma Key RewardsCapital One
West Elm Key RewardsCapital One
The Key RewardsCapital One
Yamaha Vehicles WebbankPrequal
Dell Preferred Account WebbankPrequal
Gardner White Furniture FortivaPrequal
Bob Mills FurnitureFortivaPrequal

*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.

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