Michaels Credit Card Reviews 2023 : A Comprehensive Guide

Michael’s is the largest arts and crafts retail chain in North America. The company operates over 1,400 stores across the United States and Canada. Michael’s offers a huge selection of arts, crafts, framing, baking, floral, and home décor supplies for hobbyists, crafters, makers, and DIY home decorators.

One way that loyal Michaels customers can save money and finance purchases is through Michael’s credit card. The Michaels credit card provides exclusive discounts, rewards on purchases, financing offers, and other benefits to cardholders.

In this detailed article, we will provide information on signing up for Michael’s credit card, managing your account online or through the mobile app, making payments, contacting customer service, and more. Read on for a comprehensive guide to using Michaels credit card.

Getting Approved for a Michaels Credit Card

Michaels credit card is issued by Comenity Bank in partnership with Michael’s Stores. To get approved, you’ll need:

  • Good credit – Scores of 690+ have the best approval odds. Scores below 650 will likely be denied.
  • Sufficient income – No minimum income level but a reliable source of income is required.
  • To be 18+ years old – Applicants must be at least 18 years of age.
  • A Social Security Number – This is required to confirm your identity.

You can apply instantly online, over the phone, or in Michael’s stores. Many applicants receive instant decisions. If approved, you can use your new Michaels credit card number immediately for purchases and to take advantage of discounts.

Key Credit Card Benefits

The main benefits of the Michaels credit card include:

  • 15% off your entire purchase the same day you’re approved
  • 10% off all purchases every day, in-store and online
  • 5% back in rewards on all purchases to redeem for Michael’s merchandise
  • Special financing offers like 6-18 month deferred interest plans
  • Free standard shipping on $59+ online orders
  • Exclusive coupons and offers sent to cardholders
  • No annual fee

As you can see, the card provides significant savings for Michael’s shoppers through discounts, rewards, and promotional financing.

Logging into Your Michaels Credit Card Account

Once approved, you should register your Michaels credit card on the Comenity Bank website or mobile app to access your account online. Here are the steps to log in:

  1. Go to comenity.net/michaels or download the Comenity app
  2. Click “Register for online access” if a new user
  3. Enter your card number, billing details, Social Security Number
  4. Create a username, password, and security questions
  5. Agree to the terms and conditions
  6. Click “Register” to complete the process

Now you can log in anytime with your username and password to view your balance, available credit, recent transactions, statements, make payments, set up alerts, and more. Logging in regularly helps you stay on top of your account activity.

Managing Your Michael’s Credit Card Account

When you log into your account online or on the mobile app, you can do several helpful account management tasks:

  • Pay your bill – Avoid interest by paying your balance in full each month.
  • Set up autopay – Schedule recurring automatic payments each month.
  • Check your balance – View up-to-date account balance and available credit.
  • See statements – Access current and past monthly statements.
  • Set up alerts – Get alerts for statement availability, approaching credit limit, due dates, and more.
  • Make payments – Pay your bill by phone, online, through the app, or by mail.
  • Update account info – Change your billing address, phone number, and email.
  • Redeem rewards – View reward balance and redeem rewards for Michael’s merchandise.

Properly managing your account through the online portal or app is the best way to stay on top of your account activity.

Payment Options for the Michael’s Card

Michaels credit card payments can be made in several convenient ways:

  • Pay online through your Comenity account – Schedule one-time or recurring payments.
  • Use the Comenity mobile app – Make quick online payments through the app.
  • Pay by phone – Call 1-800-850-0659 anytime to pay by phone.
  • Mail a payment – Send checks or money orders to the payment address printed on your statement.
  • In-store payments – Some Michael’s locations allow credit card payments at checkout.
  • Automatic payments – Set up autopay from your bank account to pay automatically each month.

Try to make payments at least a few days before your due date to ensure they are processed on time and avoid late fees. The standard Michael’s credit card late fee is $28.

Michaels Credit Card Customer Service

If you ever have questions about your Michaels credit card, there are a few ways to contact Comenity Bank for assistance:

  • Call 1-800-850-0659 – This is the main customer service phone number.
  • Chat Online – Log into your account and use the online chat for help.
  • Email questions – You can email Comenity customer service at [email protected] for email support.
  • Mail correspondence – Write to Po Box 183003, Columbus, OH 43218.

Some common reasons to contact customer service include: asking about application status, requesting a credit line increase, disputing a charge, updating personal info, card activation, and general account questions.

When you call the 1-800 number, be prepared with your full account number, recent transactions, mailing address, and any documentation related to your question. This will help expedite the process.

Pros and Cons of the Michaels Credit Card

Some of the key pros and cons to weigh:


  • Generous discounts and rewards
  • Special financing offers
  • No annual fee
  • Easy instant application


  • High 27.24% APR
  • Must pay deferred interest in full to avoid high retroactive interest
  • Store-only usage limits benefits
  • Low initial credit limits

For frequent Michael’s shoppers who can avoid interest charges, the card can provide significant savings. But it also carries risk if you can’t pay off balances promptly.

Alternatives to Consider

Those who don’t shop often at Michael’s may want to consider some alternative cards:

  • Flat-rate cash-back cards
  • General travel rewards cards
  • Secured cards to build credit
  • The Lowe’s Advantage Card (also works at Michael’s)
  • PayPal Credit for larger purchases

The Michaels credit card is best suited for regular Michael’s customers who want to maximize their savings on arts, crafts, and decor supplies. More occasional shoppers may benefit from a card with broader rewards and benefits.


Michael’s credit card offers valuable discounts and financing for frequent arts and crafts shoppers. Just be sure to pay your balances in full each month and use the card responsibly within your budget. Check your account activity regularly online and leverage the card benefits to maximize your savings on every Michael’s purchase. With prudent use, Michaels credit card can provide great value for creative DIYers.

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