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$0
Annual fee
5.75% to 25.99%
Purchase APR (fixed)
300
Recommended credit score
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.
The Montgomery Ward Credit card is an incredibly simple credit line for this online-only store and comes with a $0 annual fee and fixed purchase APR of 5.75% to 25.99% depending on your creditworthiness.
For what is essentially a store card, the Montgomery Ward Credit is extremely bare. Unlike other store cards on the market, the Montgomery Ward card offers no perks to incentivize you to shop at Montgomery Ward, such as rewards or free shipping. What you see is what you get: the ability to pay for a Montgomery Ward purchase and pay it off later. In fact, this card isn’t even associated with a major bank: the line of credit offered is through Montgomery Ward itself.
Approval for the card is easy, as you can apply at the time of checkout and get results nearly immediately. This, coupled with the low credit requirements and lack of annual fees, makes the card most appealing for someone looking to build their credit. Unfortunately, whether the card properly reports your purchases to the major credit bureaus seems unclear. While the site advertises credit reporting, the fine print notes that Montgomery Ward “may” report your usage, and customer reviews seem to suggest inconsistency in whether this card actually helps build your score.
As such, it’s hard to recommend the Montgomery Ward credit card. There are other cards on the market that can help you build credit or earn rewards that you can also use on all purchases, not just at a single store.
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:
To apply for the card, you only need to provide:
You can apply with a poor to fair credit score of 300 or higher.
If you’re curious what other store cards on the market look like, you can select and compare up to four store credit cards using our comparison table.
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 may not help you build your score, but missing a payment or a default can stain your credit score according to some customer reviews.
Whether you’re looking to build your credit score or you are interested in picking up a store credit card, we recommend you look at your other options first. The Montgomery Ward Credit Card doesn’t offer enough benefits to take up a space in your wallet. But if you often shop the Montgomery Ward website and struggle to get credit elsewhere, you might find the Montgomery Ward Credit helpful. If you apply for one, we recommend regularly checking your credit score to ensure the card is helping you build credit.