Montgomery Ward Credit Cards

381 Reviews

877-784-2836

Montgomery Ward Login Page

Ad Disclosure

Please find below credit cards offered by Montgomery Ward.

Compare Montgomery Ward Credit Cards

Montgomery Ward Credit Account

3.74 out of 5 rating236 Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.7

User Reviews

3.7

Market Comparison

4.4

fees: 5.0

rewards: 0.0

cost: 5.0

APR: 3.8

Other Features: 5.0

One-Time Fees$0

Regular APR5.75% - 25.99%

One-Time Fees

Regular APR

5.75% - 25.99%

annual fee

monthly fee

minimum credit

Bad

WalletHub's Take: The Montgomery Ward Credit Account is an unsecured store credit card that people with bad credit can get. Although it only works for Montgomery Ward purchases online or through the company’s catalogue, the Montgomery Ward credit card reports to the credit bureaus on a monthly basis and has a $0 annual fee. That combination allows users to improve their credit score at little-to-no cost, as long as they manage the account responsibly.

Pros

No membership fees
Qualify with limited or no credit history
Does not require security deposit

Additional Info

Use Wards Credit and get payments as low as $10 a month on a huge selection of furniture, electronics, appliances, shoes, and more.
Wards low monthly payments and fast approval process make it easy to use credit while shopping online or in the catalog.
Helps build your credit history.
*See all terms here

Pros, Cons, & Details

Compare

Montgomery Ward Credit Card Reviews

3.8

What's Your Rating?

Teresa Martin
August 27, 2025 • @colie399

Verified Customer

Ward's offered me credit when other companies continued to say no. I have always had a positive experience with this company and other companies connected with Montgomery Ward's. They offer quality items at an affordable price.

Product: Montgomery Ward Credit Cards

Comment

Timothy Hellman
March 7, 2025 • @tahinalbertlea

Verified Customer

They end up behaving like the mob on collections once you pay off a balance. Once you no longer owe them anything, they threaten to close your account if you don't make a purchase. I had paid off my account, and the next month they sent me weekly emails "warning" me that my account could be closed if I don't make a purchase within the next 6 months. I might have, but I didn't appreciate these emails as I was in good standing. I couldn't sign into my account and when I called, I was informed that they don't support DuckDuckGo because of the search engine's no tracking features. To confirm, "Because if I use DuckDuckGo, you can't track my purchases and target me for ads?" she said yes.

Product: Montgomery Ward Credit Cards

Comment

LEEANNA HUNTLEY
November 15, 2024 • @Blessed1

Most orders are $40 or more, so why do we have to pay for shipping at Montgomery Ward? I haven't purchased in a long time because the shipping and handling are so outrageous, especially for the Cricut 3 Vinyl Cutter Machine it's Holiday Shopping Season!

Product: Montgomery Ward Credit Account

Comment

Lauren Stahler
February 17, 2024 • @lstahler4

Verified Customer

So far it's been a good experience. Working with the customer service in the credit department was very helpful. She was really caring and solved the issue.

Product: Montgomery Ward Credit Account

Comment

David
December 22, 2023 • @reddogie93

Verified Customer

Montgomery Ward is great. I had no trouble with my order, got it fast, and there was no hassle, no damage. The people I talked to were friendly. They worked with me to get my credit started. They are the best for credit building; you don't get the run-around.

Product: Montgomery Ward Credit Cards

Comment

Celeste Locke
December 13, 2023 • @lockeceleste44

Verified Customer

This company is a complete rip-off. I ordered two bottles of women's perfume on December 2 and was told it required a $120.14 down payment, which I paid immediately. I received an email thanking me for my purchase, followed by another email stating that I canceled the order. That is the first lie I was told. When I called, I was told the second lie that I canceled the order, so the $120.14 would not be taken from my account. That was a lie; it was taken out and has not been returned. I have called at least 8 times only to be told more lies.

This company is very disappointing, and to think, when I was growing up, my grandparents, my mom and dad, my aunts, uncles, and the rest of the family all shopped at the Montgomery Ward store. I remember getting my favorite coat from you guys when I was 10 years old. So, when I saw this Montgomery Ward offer, I thought, "Why not? This is a reputable company that my parents and everyone else shopped at," so I placed an order with you. I received my order and have been making my payments faithfully every month. When I saw another opportunity to order something from Montgomery Ward, I jumped on it, only to be taken advantage of.

I will not stop. The company was relentless in taking my money from my account, lied about me canceling the order, and still won't refund my money. Here it is, December 13th, and this issue started on December 2nd. I am now going to get Social Security involved and let them deal with you, as they are a government entity and will handle it. I am going to report this as a fraudulent charge and let them pursue your company since you refuse to refund my money. A very dissatisfied customer.

Product: Montgomery Ward Credit Cards

Comment

Quintwetta M
December 3, 2023 • @mrsqlm1991

Verified Customer

I was charged for some items that I DID NOT receive. I tr recall trying to contact Montgomery and was not able to get the problem resolved.

Product: Montgomery Ward Credit Cards

Comment

Betty
November 30, 2023 • @bettyj6019

Verified Customer

Love my stuff and that I can pay in advance and make payments and everything I have got from them is good stuff and I have told my family and friends to always get there stuff is always good

Product: Montgomery Ward Credit Cards

Comment

Daniel
November 17, 2023 • @dandear34

Verified Customer

Great for credit rebuilding! Easy to get approved even with a down payment. Then you credit line becomes available after a couple of on time payments.

Product: Montgomery Ward Credit Cards

Comment

Kerrie
November 12, 2023 • @Kerriecardinal8

Verified Customer

high interest and poor product quality and selection. making more than min and haven't gotten anywhere near paying off overpriced air cleaner. the filters I just found out are almost 1/2the proce of the actual unit itself! bad move on my part

Product: Montgomery Ward Credit Cards

Comment

Review Montgomery Ward Credit Cards

Montgomery Ward Credit Card Q&A

Get answers to your questions about Montgomery Ward Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

How can I talk to Montgomery Ward Credit Account customer service?

Cameron DiGiovanni, Writer

To talk to Montgomery Ward Credit customer service, call (877) 784-2836 and then wait to be connected to an agent. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Montgomery Ward Credit Customer Service by Phone

Call the Montgomery Ward Credit customer service department. You can even use the number on the back of your card.
Wait to be connected to an agent.
Speak to the live representative.

If you can't or don't want to talk to the Montgomery Ward Credit customer service over the phone, you can also email customer service by using the email form on the store's website.

Upvotes

How can I log in to my Montgomery Ward Credit Card account?

Chip Lupo, Credit Card Writer

To log in to your Montgomery Ward Credit Account account, go to Montgomery Ward's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Montgomery Ward, you'll need to enroll first and set up a username and password.

How to Log in to Your Montgomery Ward Credit Account

Visit Montgomery Ward's website. Navigate to the login box at the top of the...

Upvotes

What are the Montgomery Ward Credit approval requirements?

Cameron DiGiovanni, Writer

The minimum requirements for the Montgomery Ward Credit include being at least 18 years old, having a bad credit score of at least 500, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number.

Minimum Montgomery Ward Credit Requirements

Enough income to make the monthly minimum payment
Bad credit accepted (500+ credit score)
18+ years old
Social Security number or...

Upvotes

How can I get Montgomery Ward Credit pre-approval?

Cameron DiGiovanni, Writer

You can get Montgomery Ward Credit pre-approval through email or via mail. So, it's a good idea to check for emails from the company as well as mailed Montgomery Ward catalogs, which may include pre-approved offers. Montgomery Ward doesn't offer pre-approval through its website.

Pre-approved offers inform consumers that they have a good chance (90%) of getting approved for a Montgomery Ward Credit line if they choose to apply for one. People who have previously held accounts in...

Upvotes

How do I apply for Montgomery Ward Credit card?

Adam McCann, Financial Writer

You can apply for the Montgomery Ward Credit Card while making a purchase on the Montgomery Ward website, by selecting “Open a New Account” at checkout. Unfortunately, you cannot apply for this card over the phone. Keep in mind that this card accepts even people with bad credit.

Here's how to apply for the Montgomery Ward Credit Card:

Visit wards.com and select the items you want to buy.
Click on “Open a New Account” as...

Important Disclosures

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.

Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.

Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.

WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.

Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Montgomery Ward Credit Account.