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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

Seventh Avenue Credit
Buy now, pay later with payments as low as $20 a month.

Need help? Talk to a customer specialist



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

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

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. Also, the card doesn’t report to any of the credit bureaus, so if you’re looking to build your credit, this card is a poor choice.

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
Target REDcard™ Credit Card
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WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.
Montgomery Ward credit
5.75% to 25.99% fixed
Buy now, pay later — low monthly payments make shopping easier

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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

Images: seventhavenue.com

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