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Fingerhut credit accounts: Which is best for you?

Fingerhut credit features less than stellar terms and limited purchasing options.

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Fingerhut is an online retailer selling name-brand products in categories such as electronics, clothing, toys, health, beauty and more. You can purchase items from the site and pay for them over time with a Fingerhut credit account. These aren’t traditional credit cards, but credit lines – you can use your credit line to make purchases and pay it off over time much like any other credit card. Unfortunately, Fingerhut credit accounts have several drawbacks that make them a poor choice for general shopping and building credit. Here are your two options.

Fingerhut credit accounts and how they work

Fingerhut offers two credit products, but just one application form. Depending on your credit profile, you may be approved for the WebBank/Fingerhut Advantage Credit Account or the Fingerhut FreshStart® Credit Account. If you feel you should have qualified for a particular product, you can call 1-800-208-2500 to reach Fingerhut customer service, which is available Monday through Friday, 8 a.m. to 8 p.m. CT.

Best for building credit on Fingerhut purchases

WebBank/Fingerhut Advantage Credit Account

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Terms apply, see rates & fees
The WebBank/Fingerhut Advantage Credit Account is a line of credit you can use with Fingerhut and select partners. You can spend up to your credit limit and pay off your purchases over time. Minimum payments are determined based on your Fingerhut balance.
Here are a few ranges of account balances and their estimated minimum payments.
If your account balance is…Your minimum payment is…
Up to $6.98100% of balance
$6.99 to $44.99$6.99
$45.00 to $69.99$7.99
$70.00 to $99.99$8.99
$100.00 to $124.99$10.99

Best unsecured card for no credit

Fingerhut FreshStart® Credit Account

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Terms apply, see rates & fees
The Fingerhut FreshStart® Credit Account is an installment loan. If you're approved for it, you can get it by purchasing an item worth at least $50 from the Fingerhut store and making a $30 down payment. Over the next six to eight months you'll pay off the remainder of the item's balance — including finance charges. If you pay off the purchase within six months with no late payments, you can potentially graduate to a WebBank/Fingerhut Advantage Credit Account.

Here’s an example payment table from Fingerhut’s terms and conditions:

Cash price of product$50$100
Down payment$30$30
Finance charge$1.79$6.25
Terms of repayment6 monthly payments of $3.636 monthly payments of $12.71

How to apply for a Fingerhut product

  1. Go to the provider's site and select Apply now.
  2. Fill out the application form with your personal details. Required information includes your address, annual income and Social Security number.
  3. Look over your application and submit it.

Two things may happen when you apply through the retailer’s site to become a Fingerhut member:

  • You’ll be approved for the WebBank/Fingerhut Advantage Credit Account.
  • If your credit profile doesn’t qualify for a WebBank/Fingerhut Advantage Credit Account, you’ll be processed for a Fingerhut FreshStart® Credit Account. As always, approval is never guaranteed.

Standout benefits of a Fingerhut credit account

Generally speaking, Fingerhut credit accounts aren’t your best choice for credit purchasing. Their two accounts have a higher than average starting fixed APR of 29.99% and both accounts can only be used for Fingerhut purchases. They also lack the protections you’d find in a standard secured card. However, Fingerhut accounts do have a few things going for them.
  • Credit reporting. Fingerhut says it reports your payment history to all three major credit bureaus. This can help you increase your credit score.
  • No annual fee. With other online retailers, you may pay membership fees to buy products.
  • Quick credit decision. Once you apply for a Fingerhut account, you’ll typically receive a decision almost immediately.
  • Get started quickly. After you’re approved, you can typically start buying products right away.

Full list of Fingerhut credit cards

Compare Fingerhut products

There are just two Fingerhut products as of July 2021. Here’s how they stack up side-by-side.

1 - 2 of 2
Name Product Annual fee Purchase APR Minimum Credit Score
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.

Compare up to 4 providers

Alternatives to Fingerhut credit cards

Whether its for purchasing goods or building credit, Fingerhut simply has too many limitations to be worth your attention. If you’re looking for other ways to build your credit, Bank of America, Discover and Capital One all have great secured options superior to Fingerhut credit lines. You can check out our favorite secured cards for more information.

If you’re simply looking for a way to make purchases and pay them off later, have a look at all of your card options to find a stronger pick for your needs.

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8 Responses

  1. Default Gravatar
    JasonNovember 19, 2019

    Can I check my Fingerhut order with my customer number?

    • Avatarfinder Customer Care
      JoshuaNovember 19, 2019Staff

      Hi Donna,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      The customer number is helpful, but it is not required to check your order. If you have provided Fingerhut your email address, they will send you an email with your tracking details when your order ships. You may also view the status of your order by signing in to your account and going to My Orders on the left side. You can then click on Order History.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    RogerJune 17, 2019

    Can’t get into my account. Please help.


    • Avatarfinder Customer Care
      JeniJune 20, 2019Staff

      Hi Roger,

      Thank you for getting in touch with Finder.

      Kindly get in touch with Fingerhut directly to get further assistance on getting into your account. You may also try to click on Forgot Your Password? link on the member login page so you may update your password and get into your account.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Default Gravatar
    SandraOctober 13, 2018

    I stay in United state but have my husband working from Nigeria, will like to know if can shop for him directly from fingerhut store to nigeria and it takes how many days via FedEx or which of the courier services available at your store?.. Thank you

    • Avatarfinder Customer Care
      JoshuaOctober 17, 2018Staff

      Hi Sandra,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Upon checking, I can’t find any indication that Fingerhut do international shipping. If this is the case, then what you can do is buy the item and ship it using a third-party courier company like FedEx.

      With FedEx, you can expect to receive your packages within 2 to 4 days if you use the express ship box. If you use the economy shipping method, you can expect the package to reach your husband between 5 to 10 days.

      There are also other courier services that you might want to check.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  4. Default Gravatar
    CorinaSeptember 20, 2018

    Can i order from other websites usi g the fingerhut webbank catd?

    • Avatarfinder Customer Care
      JhezSeptember 20, 2018Staff

      Hello Corina,

      Thank you for your comment.

      Fingerhut credit was designed to be used for Fingerhut merchandise, however, an additional feature of the Fingerhut credit accounts is the chance to use spending power outside of Fingerhut’s catalogue and website. Among the select partners that honour Fingerhut credit accounts are florists and insurance. You may refer to the Fingerhut’s website to see their Selected Partners.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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