Seventh Avenue Credit review |

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Seventh Avenue Credit review

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Buy items now and pay them off later.

  • Get this credit if you often shop from Seventh Avenue..
  • Pick something else if you want a line of credit you can use at other stores.
  • Apply if you have a poor to fair credit score of 300 or higher.


Annual fee

5.75% to 23.99%

Purchase APR (fixed)


Recommended credit score


Product NameSeventh Avenue Credit
Card typeStore card
Annual fee$0
Purchase APR5.75% to 23.99% fixed
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $15
Returned payment feeUp to $25

The basics

Seventh Avenue is a shipping order catalog for home decor items and furniture. With the Seventh Avenue Credit, you can purchase items and pay them off in 12 to 47 months.

All you have to do is select the Seventh Avenue Credit payment option when placing your order, enter your Social Security number and submit your order. There is no need for you to create a Seventh Avenue account to apply for the credit.

Note that all credit orders will be subject to credit approval.

The perks

  • No annual fee.
    You won’t pay an annual fee to use the Seventh Avenue Credit.
  • Low monthly payments.
    Depending on the size of your purchase, your monthly payments can be as low as $20 for items priced up to $200.
  • Quick approval.
    You can get instant approval as soon as you select the credit when placing your order. The company will contact you if they need additional information.

You’ll also like

  • Build your buying power.
    If you use the credit responsibly, you can get a credit increase.
  • Balance payment options.
    You can easily pay your balance when you log in to your Seventh Avenue online account. Other payment options include paying by phone at 800-810-7064 or mailing your payment at Seventh Avenue, PO Box 2804, Monroe, WI 53566-8006.

What to watch out for

  • High cost for long-term credit.
    If you choose to pay your purchase in 47 months, you’ll pay a lot more than if you pay it off in 12 months. For example, a purchase of $1,800 with a monthly payment of $60 for 47 months will cost a total of $2,820.
  • Does not report to personal credit.
    If you’re looking to build your credit score, getting a secured card may be a better option.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
17.15% to 25.15% variable
Earn 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and travel and 1% on all other purchases.
29.99% fixed
Build your credit history with low monthly payments.
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier

Compare up to 4 providers

Bottom line

The Seventh Avenue Credit may be a good choice if you frequently shop from Seventh Avenue and you’re looking to buy now, pay later. But if you have a bad credit score and you want to improve it, other card options may be better suited for you.

Alternatively, you can check out other store cards and compare your options if that’s what you’re looking for.

Frequently asked questions


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