Best Retail Credit Apps

4.9😐(5.2M ratings)

Free

#88in Finance

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

What We Love

👍 Excellent customer service
🚀 Smooth and easy-to-use app
💳 Great credit card with rewards
🔒 Secure and reliable
💳 Helpful for building credit
💳 Automatic credit line increases

Room to Improve

🐛 App crashes and bugs
🤖 Poor customer service and unresponsive to issues
💳 Difficult to get credit limit increases
💳 Unfair credit reporting practices
💳 Holding funds hostage and difficult to access money

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit

Worth Considering

Walmart: Shopping & Savings

4.9😐(16K ratings)

Free

Perpay - Shop and Build Credit screenshot 1

Perpay - Shop and Build Credit screenshot 2

Perpay - Shop and Build Credit screenshot 3

Perpay - Shop and Build Credit screenshot 4

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Perpay - Shop and Build Credit screenshot 6

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

What We Love

💳 Easy payment setup
🚀 Fast delivery
🔍 Wide product selection
💳 Builds credit
💳 Convenient automatic payments
🤝 Good customer service

Room to Improve

💰 Overpriced items
🕰️ Slow shipping and approval process
🤖 Poor app performance and glitches
📞 Lack of phone support
🔁 Difficulty with returns and refunds

More Retail Credit apps to explore

Shop fashion, gifts, grocery.

AI shopping assistantPickup and delivery optionsFast two-day shipping

Shop for groceries, essentials, and more with convenient pickup, delivery, and shipping options. Features an AI assistant for shopping help, real-time order tracking, and in-store tools like store maps and price scanning.

(18M)

Square Point of Sale (POS)

Payments & Business Dashboard

Accept all major payment typesIndustry-specific business modesInventory management

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

💼 Business

(604K)

Save, Spend & Grow Your Credit

Intuit Credit Karma

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

(7.7M)

Atlas - Rewards Credit Card

Earn cash back. Build credit.

High approval ratesBuild credit historyAutomatic savings up to 10%

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

(273K)

JCPenney – Shopping & Coupons

Shop clothes, shoes & bedding

Shop apparel, shoes, and home goodsIn-app purchasing with same-day pickupPrice check feature

Shop for a wide variety of clothing, shoes, jewelry, and home goods with access to deals and coupons. Features include in-app purchasing with in-store pickup options, price checking, and personalized fit recommendations. Manage your JCPenney credit card and save favorite items for later.

(519K)

Bright: Loans & Credit Builder

AI Loan Asst > Credit & Loans

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

by CONCORA CREDIT INC.

Single login for all accountsCard activationMake payments

Access and manage all your accounts serviced by Concora Credit from a single login. Activate your card, make payments, track transactions, and update your account information anytime, anywhere.

Credit Card Payment System

Diverse payment processing (cash, card, gift card, check)Inventory management with built-in databaseCompatibility with card swipers and receipt printers

Transform your Apple device into a comprehensive checkout system. Accept various payment types, manage inventory, and process transactions securely on the go or in-store. All data is stored on a PCI-compliant gateway.

Pay Phone Bills & Build Credit

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

(10K)

Target: Shop. Style. Save.

Deals on fashion & essentials

Shop seasonal arrivalsCurbside pickupSame-day delivery

Discover seasonal essentials, outfit ideas, and home decor. Shop deals on groceries, pantry staples, and gifts. Enjoy convenient services like curbside pickup and same-day delivery.

(6.9M)

by Elan Financial Services

Elan Credit Card

Secure login with username/password, fingerprint, or Face IDView account balance, transactions, and available creditMake one-time payments and set up AutoPay

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

(196K)

Green River Area FCU retail

by Green River Area Federal Credit Union (inc)

Check account balancesReview recent transactionsMake fund transfers

Manage your finances on the go with this secure mobile banking tool. Access account balances, review transactions, and transfer funds anytime, anywhere. Enrollment in online banking is required to use the app.

Buy Now/Pay Later for Business

Instant credit decisions up to $50KB2B vendor marketplaceVirtual card for any Mastercard merchant

This app provides businesses with flexible payment options and instant credit decisions for purchases. Access a vendor marketplace and use a virtual card anywhere Mastercard is accepted to manage cash flow effectively.

(30)

Self - Credit Builder & Cards

Build credit for a credit card

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

(331K)

by Heartland Payment Systems, Inc.

HMP Retail

Secure credit card swipe or keyed entryProcess major credit cards and gift cardsCustomizable email receipts

Process credit card payments securely and reliably from your mobile device. This app offers a cost-effective solution with no hidden fees, and a reliable offline mode for accepting payments anywhere. It supports various transaction types and provides detailed reporting.

(15)

by Atlanticus Services Corporation

Fortiva Account Center

Manage credit cards, loans, and retail accountsCheck account balances and payment activityView transaction details

Manage your credit cards, personal loans, and retail credit accounts conveniently from your mobile device. View balances, transaction details, set up alerts, and monitor your credit score for free. Secure access with fingerprint or PIN.

(82)

Possible: Fast Cash & Credit

Borrow money, loans, advances

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

(134K)