Store cards are like credit cards – you can use them to pay in-store and then settle the balance later. It's a great way to get started when you're new to credit, or if you want to transform your average credit score into a great credit score. But it's also important to manage your spending carefully and avoid paying too much interest.

How a store card will benefit you

1. You will build your credit score

A store card is a great way to see your score soar. By using credit and paying it off on time, you will build a solid credit history, and lenders will be open to offering you more credit in the future. It may also mean that you will be offered better interest rates. Remember to only spend what you can afford, and make your repayments on time.

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2. Easier to get approved

If you’re just starting out or you have a low credit score, getting traditional credit may be tricky. A store card could be a good option if you’re being rejected elsewhere.

See your personalised offers on ClearScore – we showcase cards, loans, phone contracts and more.

3. Extra discounts & offers

Usually, store cards offer extra discounts and rewards. Just make sure these don’t tempt you into spending more than you planned.

Looking to apply for a store card?

On ClearScore, we have a range of store cards available. We match you with offers based on your credit profile and account information to improve your chances of being accepted.