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Seventh Avenue Credit review

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 25.99% fixed

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offerN/A
Purchase APR5.75% to 25.99% fixed
Balance transfer APRN/A
Minimum Credit Score300
IssuerStore card

Review by

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. 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

The Seventh Avenue Credit comes with $0 annual fee, quick approval even with a poor credit score, and you get to pay off your purchases in 12 to 47 months.

You can get low monthly payments, starting from $20 depending on your purchase amount, and with responsible use, you can increase your purchasing power.

Unfortunately, you can only use the card to make purchases from the Seventh Avenue shipping order catalog for home decor items and furniture.

Seventh Avenue Credit benefits

  • 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.
  • 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.

    Seventh Avenue Credit drawbacks

    • 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.
    • No rewards. Many other credit cards offer rewards such as cash back, points or miles.
    • Not a credit-building card. Seventh Avenue does not report to credit bureaus, so you cannot build credit using this card.

    Compare store credit cards

    If this card isn’t right for you, check out other store credit cards on the market. Compare their benefits to see which is the best fit for you.

    Name Product Annual fee Purchase APR Minimum Credit Score
    Sam's Club® Mastercard®
    14.9% to 22.9% variable
    Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
    Merit Platinum
    Apply with no credit or bad credit, for use on the Horizon Outlet website.
    Net First Platinum
    Up to $299.40
    Build your credit history with an unsecured line of credit.

    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.


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