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9Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. Excludes taxes, gift cards, shipping fees, extended warranty and michaels.com items sold and shipped by third-party sellers (i.e. not Michaels). As of October 2023, terms for new Accounts: Variable purchase APR of 33.24%. Minimum interest charge is $3.00 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. 

Credit Card offers are subject to credit approval.  

Michaels Credit Card Accounts are issued by Comenity Capital Bank.  

The Michaels Credit Card cannot be used on michaelscustomframing.com; michaelsphotogifts.com; education.michaels.com; enterprise.michaels.com; 

and merchant.sgiftcard.com/chrome/michaels