A line of credit that can help you buy merchandise and build your credit score.
- Get this card if you want to shop Fingerhut’s online catalog and potentially raise your credit score.
- Pick something else if you want a credit card you can use widely with other merchants.
- You’re welcome to apply if you’re rebuilding your credit.
|Product Name||WebBank/Fingerhut Advantage Credit Account|
|APR (Annual Percentage Rate) for Purchases||See issuer's website|
|Interest Free Period||Up to 24 days|
|Late Payment Fee||Up to $38|
|Returned Payment Fee||Up to $38|
|Additional Cardholder Fee||$0|
|Rates & Fees||Rates & Fees|
|Minimum Age||18 years of age|
*See complete WebBank/Fingerhut FreshStart® Credit Account Terms and Condition. https://www.fingerhut.com/content/FHTCreditTC
You can apply to become a Fingerhut member through the general application form on the retailer’s website. If you qualify, you’ll get access to a WebBank/Fingerhut Advantage Credit Account. If you don’t, you’ll be considered for the Fingerhut FreshStart® Credit Account, an installment loan that could help you graduate to a WebBank/Fingerhut Advantage Credit Account.
Use your WebBank/Fingerhut Advantage Credit Account to buy merchandise from the Fingerhut store — you’ll find everything from kitchen goods to electronics to clothing and more. It’s valid only at Fingerhut and the retailer’s selected partners.
No annual fee.*
Similar credit cards may come with annual fees, but you won’t have to worry about paying a fee here.
Build your credit history.
If you have less-than-stellar credit, the WebBank/Fingerhut Advantage Credit Account may be for you. It reports to all three major credit bureaus, so you may be able to rebuild your credit with on-time payments.
Low monthly payments.**
You could enjoy payments as low as $6.99 per month if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
What you might pay each month
Your minimum payment will change depending on your Fingerhut balance. Here are a few ranges of account balances and their estimated minimum payments.
|Account balance||Minimum payment|
|Up to $6.98||100% 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|
|$125.00 to $199.99||$14.99|
|$200.00 to $249.99||$17.99|
|$250.00 to $299.99||$20.99|
|$300.00 to $349.99||$23.99|
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Get a credit decision in seconds.
Fill out Fingerhut’s application in just a few minutes. Conditional approval is automated on the Fingerhut website, so you can receive a decision almost immediately.
What to watch out for
You may receive a high APR.
The APR for purchases could be much higher than the typical credit card APR of around 16%. See issuer’s website and check the terms and conditions for the exact APR.
Late and returned payment fees.
For each late or returned payment, you may incur a fee of up to $38.
Consider other cards if …
You want a card you can use widely.
You can only use the WebBank/Fingerhut Advantage Credit Account at the Fingerhut online store and with select Fingerhut partners. If that seems limiting, consider a credit card from a major provider.
You want another option to rebuild your credit.
A secured credit card might be a good choice. Because you can only get one by putting down a security deposit, it’s usually easier to be approved for one than it is for an unsecured credit card. Secured card providers typically report your payment history to the major credit bureaus, which can help you build your credit when you make timely payments of the full amount due.
If you’re okay with only using your card at specific locations, consider a store credit card. Your payment history will likely be reported to the bureaus.
What should I know before I apply?
Check Fingerhut’s website and collect the necessary information before applying for a WebBank/Fingerhut Advantage Credit Account.
- You’re at least 18 years old
- You have a valid Social Security number
- Your name and your current residential address
- Your phone number and email address
- Your date of birth and Social Security number
- Amount of available income
What credit score do I need?
Fingerhut doesn’t specify a minimum credit score, but it says the WebBank/Fingerhut Advantage Credit Account is helpful to those trying to rebuild credit.
What do customers say about the WebBank/Fingerhut Advantage Credit Account?
Many customers say their credit has increased after they signed up for the card.
Fingerhut’s parent company, Bluestem Brands, Inc., is accredited by the Better Business Bureau and receives a B+ rating from the agency. As of this writing, Bluestem Brands, Inc. has over 2,400 customer complaints. Unhappy customers complain of difficulty making payments, poor-quality merchandise, unsolicited marketing and unexpected finance charges.
How to apply for the WebBank/Fingerhut Advantage Credit Account
- Click Go to site.
- Complete the application with details like your name, email address, Social Security number, date of birth and annual income.
- Review and submit your application.
I got the card. Now what?
Consider making more than the minimum payment each month.
You may have low payments, but it’s a good idea to pay off your purchases as soon as possible. This helps you avoid potentially high interest charges.
Late and returned payments come with fees of up to $38.
Contact customer service.
Call 1-800-208-2500 to speak with Fingerhut customer service. Representatives are available Monday through Friday, 8 a.m. to 8 p.m. CT.
If you want to frequently shop on the Fingerhut website, the WebBank/Fingerhut Advantage Credit Account may be right for you. You can also use the account to build your credit.
As with any credit card or line of credit, read the fine print and compare your options before you make a choice.
Must Read: Disclaimer
**If you apply and are accepted for a Fingerhut FreshStart® Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
*See complete WebBank/Fingerhut FreshStart® Credit Account Terms and Conditions. https://www.fingerhut.com/content/FHTCreditTC