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$0
Annual fee
5.75% to 25.99%
Purchase APR (fixed)
300
Recommended credit score
| Product Name | Montgomery Ward Credit |
|---|---|
| Annual fee | $0 |
| Purchase APR | 5.75% to 25.99% fixed |
| Balance transfer APR | N/A |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $15 |
| Late payment fee conditions | Varies by state $0.00 - $15.00 |
| Returned payment fee | Up to $25 |
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Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
This store credit card comes with a $0 annual fee and fixed purchase APR of 5.75% to 25.99% depending on your creditworthiness. You’ll initially receive up to $100 in credit with a minimum payment of $10 per month. As you make on-time payments, you’ll receive higher credit limits.
The card limits your purchases to the Montgomery Ward online store. Approval is fairly easy, with poor credit accepted. Note that the provider doesn’t report your positive payment history to the credit bureaus, so the card isn’t the best choice to build your credit.
The card is issued directly by Montgomery Ward and not by a bank.
To apply for the card, you only need to provide:
You can apply with a poor to fair credit score of 300 or higher.
Customers like how easy it is to get the card and are happy with Montgomery Ward’s customer service. Complaints are often about the one-sided reporting to credit bureaus. Paying your balance on time won’t help you build your score, but missing a payment or a default can stain your credit score.
Generally, approval only takes a few seconds. Once approved, expect your card to arrive within seven to 10 business days.
Yes, you may not be approved if:
You may need to make a down payment if:
If you often shop the Montgomery Ward website and struggle to get credit elsewhere, the Montgomery Ward Credit could be useful. Approval is easy and your credit line can grow as you use your card and pay your balance on time.
However, if you’re looking for a universal credit card, consider looking for another credit card for poor credit.