Master Store Credit Card Lender List

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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)

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 Bank 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 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.

Unfortunately with how 2020 has gone and due to corona, this list below will get updated come 2021, after new data is released.

Synchrony Phone Numbers

Synchrony Bank: 1-800-480-0186 (new accounts ID Vertification:  Monday-Friday  8AM ET-Midnight 12 ET.)

Corporate Accounts: 1-866-913-4275 

Synchrony: (except WalMart): 866-419-4096

Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions)

Synchrony Credit Solutions: 877-379-8173 (Overseas)

Synchrony Credit Solutions: 877-379-8175

Synchrony: 937-534-6180 ( Fraud Dept/locked account)

Synchrony: 866-664-2315 (Fraud/Verification/New Accounts )

Synchrony Bank
ABT
Amazon Store Card648/ $1000k
American Eagle Outfitters Store Card
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 Card721/$17,000
750/$35,000
757 /3.3k- $35k CLI
699 /$300- $12,000 CLI
More Info
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
OneTravel
PayPal CreditCredit Services 877-379-8175
P.C. Richard & Son
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
Tire Pros
TJX Store Card
Westrich Furniture & Appliances
Value City Furniture

Additional Lender 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

Comenity Bank 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 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.

Comenity Bank
Abercrombie & Fitch
American Home
American Kennel Club
Ann Taylor
Appleseeds
Arhaus Archarge
Ashley Stewart
Avenue
Barneys New Yorkfiled 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
GamestopAccepts lower 600s
Gardner White Furniture
Gordmans
Haband
Home & Garden Showplace
Hot Topic
HSN
Iddeal
Ikea770/ $16,000
J Crew
Jessica London
J Jill
Joss & Maincurrently offer a prequal
KingSize
Lane Bryant
Little Switzerland Jewels
LOFT
Marisota From JD Williams
Meijer
Modells
New York & Company
Old Pueblo Traders
Orbitz
Overstock.com640/$2200
Palais Royal
Peebles
Piercing Pagoda
Pier 1 imports
Pottery barn
Roamans
Roomplace
Restoration Hardware
Smile Generation Financial
Sportsman’s Guide680/$2500
Stage Stores
Tile Shop
Tog Shop
Torrid
Total Rewards
Toyota
Trek
True Value640/$350
Venus
Victoria’s secret640+
Wayfair640+currently offer pre-qual
West Elm
Williams-Sonoma
Winter Silks
Woman Within
Ulta
Zales
Z Gallerie
Lexus Pursuits Visa
Toyota rewards Visa

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.