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Montgomery Ward Credit review

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A simple line of credit for this online-only department store.

  • Get this card if you frequently shop on Montgomery Ward’s website.
  • Pick something else if you want a universal credit card.
  • Apply with a poor to fair credit score of 300 or higher.


Annual fee

5.75% to 25.99%

Purchase APR (fixed)


Recommended credit score


Product NameMontgomery Ward Credit
Annual fee$0
Purchase APR5.75% to 25.99% fixed
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $15
Late payment fee conditionsVaries by state
$0.00 - $15.00
Returned payment feeUp to $25

Expert review

Kliment Dukovski

Review by

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.

Expert review

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 perks

  • Easy approval.
    Be approved quickly, even if you have poor credit.
  • Credit limit increases.
    If you make on-time monthly payments, your $100 credit limit could increase.
  • Pay your bill online.
    Easily manage your payments by logging in to your Montgomery Ward online account.
  • Potentially low APR.
    You could qualify for APRs as low as 5.75% with excellent credit.
  • No annual fee.
    You won’t pay each year to keep this card.

What to watch out for

  • Only use at Montgomery Ward.
    This isn’t a regular credit card and you’re limited to using it only on Montgomery Ward’s site.
  • Can’t build credit.
    The card doesn’t report your positive payment activity to credit bureaus. But failing to pay your balance could hurt your credit.
  • Penalty fees and interest charges vary.
    How much you’ll pay depends on the state you live in.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
QuadPay Visa Card
Split your purchases into four installments over six weeks interest-free using your virtual card in the QuadPay app.
Target REDcard™ Credit Card
24.4% variable
A no-annual-fee credit card and discounts when you shop at Target.
WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Montgomery Ward Credit
5.75% to 25.99% fixed
This no-annual-fee store card offers a potentially low APR and low minimum payments for purchases made at the Montgomery Ward online store.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.

Compare up to 4 providers

What bank does Montgomery Ward use for their card?

The card is issued directly by Montgomery Ward and not by a bank.

What should I know before I apply?

To apply for the card, you only need to provide:

  • Your name and birthday
  • Billing and shipping address
  • Social Security number

What credit score do I need?

You can apply with a poor to fair credit score of 300 or higher.

What do customers say about Montgomery Ward Credit?

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.

How to apply for the Montgomery Ward Credit

  1. Click Apply now.
  2. Shop through the Montgomery Ward site.
  3. Once you have the items you want, click Checkout.
  4. Enter your billing and shipping address and click Continue.
  5. Under Select payment method click Open & pay with new Ward credit account.
  6. Enter the required information and click Continue.

USCCF Mongomery Ward Application

How long will it take to get my Montgomery Ward Credit?

Generally, approval only takes a few seconds. Once approved, expect your card to arrive within seven to 10 business days.

Can I be declined for the card?

Yes, you may not be approved if:

  • You haven’t paid your previous Montgomery Ward Credit account.
  • There’s a fraud alert or other restriction on your credit report.
  • You have no established credit history.

You may need to make a down payment if:

  • You have a bankruptcy or other blemish to your credit.
  • You have limited credit history.
  • Your checkout balance is too high.

I got the card. Now what?

  • Pay your balance.Log in to your online account to pay your balance.
  • Avoid interest.To avoid paying interest on your purchases, pay your balance in the 25-day grace period.
  • Customer service.For any questions, call 877-784-2836 for customer service.

Bottom line

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.

Frequently asked questions

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