A catalog credit card offers you a credit line of up to $1,000 which you can use every month at a specific number of stores and retail chains. What’s great about it is that it is pretty much guaranteed approval if you can provide an active checking account or savings account and proof of income.

So for people who have been denied traditional credit cards, online payday loans or personal loans, you can access a catalog credit card with bad credit and no credit checks, and not even an employment verification.

Catalog credit cards are also known as merchandise cards or store cards and are popular to use for gas stations, pharmacies and even well-known retailers such as Amazon, Best Buy, Walmart and many more. They are known as ‘close loop cards’ or ‘single purpose cards’ because you can only use them with set retailers and they are not connected to American Express or Mastercard.

Whilst a small monthly fee may apply, such as $14 per month, the merchandise cards are always 0% interest, assuming you repay on time. So you can start spending up to $1,000 in stores straight away with up to 25 days until you have to make the first payment.

Credit LimitUp to $1,000
Interest0% if paid on time
APR29.9% on missed payments
Monthly MembershipFrom $14
Bad Credit ConsideredYes
Grace Period25 days without penalties

Step 1 – Choose Your Card

Click on the catalog card of your choice. The application form takes less than 2 minutes to complete and you get an instant approval!

Step 2 – Enter Your Details

Confirm your credit limit for up to $1,000, your checking account and your employment and once approved, the card will be sent to you in the mail.

Step 3 – Success!

Success! You have received your card and can start making purchases at your favorite stores!

  • They can be used as your favorite stores and retailers
  • They are 0% interest, always
  • Very high approval – more so than any other product
  • Better terms than regular credit cards with lower monthly fees
  • Default fees are 29.9%, which is still lower than most credit cards for bad credit
  • Bonuses, offers and freebies at your favorite stores
  • No credit checks or employment verification
  • Instant approvals and you can use it as soon as it is sent to your address
  • Amazon
  • Best Buy
  • JCPenney
  • Kohl’s 
  • Pharmacies
  • Gas stations
  • Target
  • Walmart
  • Sak’s Fifth Avenue
  • T.J. MAXX
  • Marshalls
  • Homegoods
  • Sierra
  • Homesense

Merchandise store cards are ideal for families and households who make regular purchases at the same stores over and over, especially if these are large orders such as for appliances, white goods or furniture. You can get 0% interest when you purchase and also discounts and rewards when you shop.

Merchandise cards are also great for buying gas, since they are valid at pretty much all gas stations across America and also over 50,000 pharmacies across the country, perfect if you have regular prescriptions that you pick up.

Types of Catalog Credit Cards Available

  • Horizon Outlet
  • Vast Platinum
  • Edge Elite
  • FingerHut 
  • Group One Platinum
  • Unique Card Services
  • Freedom Gold Card
  • Perpay Credit
  • Net First Platinum Card
  • Electro Finance

credit america catalog credit card
card match engine
edge elite catalog card

What is The Eligibility Criteria?

  1. Must be over 18
  2. Living in the US or Canada
  3. Have a checking account or savings account
  4. Be employed – full time or part time
  5. No credit checks
  6. Bad credit accepted

Yes, catalog credit cards are designed for bad, poor or no credit and those who are looking for loans without credit checks

The products have an extremely high approval rate, more than any other financial product and your eligibility is based on having a checking or savings account and a verification of your income.

Therefore, this product is accessible to a lot of Americans and Canadians and it can be a viable alternative for those who have been denied traditional loans because of their credit score.

Yes, you can almost have a guaranteed catalog credit card if you have a checking account and a verified employment and can afford the monthly membership fee of around $14. 

Whilst typical loans and credit cards are subject to things like income, credit scores, outstanding debt and affordability, catalog store cards are very different and have high approval rates.

The products are designed to be for those even with no credit or a history of defaults and arrears, but it is always important to remember that you do need to repay or you will be charged interest and potential fees for missing repayments.

Catalog Credit Store Cards

At Pheabs, we offer a completely free way to check your eligibility for catalog cards. You can access up to $1,000 in credit for your favorite stores using our partners provided. Applying will not impact your credit score and you can receive an instant decision and be approved on the same day. 

We are always looking for new partners to add so that we can offer the best service for customers. There are no fees for applying and there never will be.

Once you have received your card in the mail, you can start using it for purchases immediately across the US and Canada and you won’t have to repay anything until 25 or 30 day’s later.

Is a Catalog Credit Card Right For Me?

A catalog credit card might seem a bit too easy and good to be true. After all, how can you get a bad credit loan with guaranteed approval, even without employment verification or credit checks? 

Catalog cards make their money by charging a monthly membership fee, which is only small, it starts from $14 per month – and they also charge for late payments and defaults. 

So a merchandise account can be good for you if:

  • Regularly shop at the same store every month or few months – maybe it is for your kids, for the home, gas stations, pharmacy
  • Are good at managing your finances and can keep your balance low without falling into arrears
  • Can afford to pay off the balance each month, which will give you 0% interest
  • Want to enjoy 30 days until you have to pay for something – ideal for furniture, presents or other large purchases

Are Catalog Credit Cards Legit?

Yes, very much so, they are regulated and have been around for decades. It can increase a customer’s loyalty with a brand and give them access to rewards and other discounts at particular stores. 

It can be a lifeline for people who need to make purchases and have poor credit. But it is important to always keep an eye on your balance and avoid going into default because the fees will start to add up.

Do I Have To Pay a Monthly Membership Fee?

Yes, there is a monthly fee to pay for having your card, which starts from $14. Once this is paid, you are fully approved and ready to use your card. There are no annual fees for using this type of card, which is typical with Mastercard or American Express.

Can I Use a Store Card as a Credit Builder?

Yes, some people use store cards as a way to build up their credit. If they habitually repay the balance on time every month for a long period of time, the data is passed back to credit reference bureaus and the individual’s credit score starts to improve, which you can track through different credit checking products.

However, it is important not to abuse this, since taking out too many credit cards in any shape or form can have a detrimental impact and make it seem that you are over reliant on credit and taking on more than you can handle.

How Many Catalog Store Cards Can I Have Open?

In theory, there is no rule to having too many cards open, however, this is not recommended. Too many cards might make you unattractive to potential lenders and banks, because it looks like you heavily rely on credit. But having up to 5 credit cards, store or normal, is typical. 

Do They Come With No Fees?

Catalog credit cards offer 0% percent interest on all purchases, assuming that you pay the balance in full at the end of each month. But do not forget there is a monthly membership fee that usually applies, a default fee for late repayment and interest charged on being in arrears which is 29.9% APR and this is closer towards the cost of bad credit loans and cards.

What is The Grace Period? 

The grace period is how long before you have to make payment on your card, which is typically 25 to 30 days. So you can enjoy using the card and its credit line for this period until you have to pay off the balance each month.

How Does a Credit Card Compare To Getting A Loan?

Do Payday Loans Help Your Credit?

How Does a Credit Check Work?

How To Improve Your Credit Rating