Fingerhut FreshStart Credit Account review |

Fingerhut FreshStart® Credit Account review

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Fingerhut FreshStart® Credit Account Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

A line of credit for those looking to build their credit scores while buying name-brand merchandise.

  • Get this card if you want to build your credit while shopping for name-brand merchandise.
  • Pick something else if you want a credit card you can use with other merchants.
  • Apply if you’re trying to build your credit score, however approval isn’t guaranteed.
Product NameFingerhut FreshStart® Credit Account
Annual FeeSee terms
Standard Purchase APRSee issuer's website
Intro Purchase APR


Intro Balance Transfer APR


Interest Free PeriodUp to 24 days
Late Payment FeeUp to $14.90
Late Payment Fee Conditions$4.90 if your balance is greater than $15 but less than or equal to $50; $14.90 if your balance is greater than $50.
Returned Payment FeeUp to $25
Additional Cardholder Fee$0
Rates & Feesrates & fees
Minimum Age18 years of age
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The basics

You can apply for credit from Fingerhut through the application form on the retailer’s site. Depending on your credit profile, you may get access to a Fingerhut FreshStart® Credit Account, which is essentially an installment loan.

The Fingerhut FreshStart® Credit Account allows you to buy items from Fingerhut and pay them off over six or eight months, but you’ll have to make a down payment.

The perks

  • No annual fee.

    Similar accounts charge a monthly or annual fee, but you don’t have to worry about paying either to keep this account open.

  • You may qualify with a lower credit score.

    If your credit has seen better days, you may still be approved for a Fingerhut FreshStart® Credit Account. The program is designed for those seeking to improve their credit scores, and some customers have said they were approved with no credit history. Of course, approval is never guaranteed.

  • Good customers are rewarded.

    If you pay off your first purchase within six payments — with no late or incomplete payments — you could qualify for the WebBank/Fingerhut Advantage Credit Account. You may also receive a higher credit line.

  • Low monthly payments.

    Depending on your purchase volume, you could have a low monthly payment if you apply and are approved for a Fingerhut FreshStart® Credit Account. Accounts are issued by WebBank, who determines eligibility and qualifications for the terms of credit.

Compare Fingerhut credit accounts

Sample of monthly payments

Once you make a one-time purchase of $50 or more on Fingerhut, you’ll need to make a $30 down payment. Afterward, you’ll pay off the purchase in six to eight monthly payments, including finance charges.

This is an example payment structure 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

According to Fingerhut, these are estimated monthly minimum payments. Your actual payments may be different after you’re approved for your credit account.

You’ll also like …

  • Immediate access.

    As soon as you’re approved, you can begin using your account.

  • Reports to credit bureaus.

    Fingerhut reports your payment history to all three credit bureaus. This can help you grow your credit score and build your buying power.

Apply now

What to watch out for

  • Potentially high APR.

    APRs for similar cards can be as high as 30% variable. Visit the Fingerhut terms and conditions for their rates.

  • Late and returned payment fees.

    For each late payment, you’ll incur a fee of up to $14.90. For each returned payment, you’ll incur a fee of up to $25.

  • Terms apply to graduate to a revolving-credit account.

    You’re not eligible for the WebBank/Fingerhut Advantage Credit Account if you pay off your entire balance at the same time you make your down payment.

Compare store cards

Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
See terms
See issuer's website
Build your credit history with low monthly payments.
See terms
See issuer's website
Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier
5.75% to 23.99% fixed
Payments starting at just $10 a month.

Compare up to 4 providers

Apply now

What should I know before I apply?

You can get all of the information needed from the Fingerhut website before you apply.

Eligibility criteria:

  • You’re at least 18 years old.
  • You have a valid Social Security number.

Required documents:

  • Your name and 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?

The Fingerhut FreshStart® Credit Account is designed for customers who are rebuilding credit. You won’t find a specified minimum credit score on Fingerhut’s website.

Apply now

What do customers say about the Fingerhut FreshStart® Credit Account?

Many customers say they’ve seen their credit scores increase after using the Fingerhut FreshStart® Credit Account. However, some customers mention it’s important to make payments on time to not jeopardize the chances to move up to a WebBank/Fingerhut Advantage Credit Account.

Fingerhut’s parent company, Bluestem Brands, Inc., has a B+ ranking with the Better Business Bureau and is accredited. Bluestem Brands, Inc., at the time of writing, has over 2,400 customer complaints regarding difficulty with making payments, finance charges, unsolicited marketing and poor-quality merchandise.

How to apply for the Fingerhut FreshStart® Credit Account

  1. Click apply now.
  2. Fill out the application with details like your name, email address, Social Security number, annual income and date of birth.
  3. Review and submit your application.

I got the card. Now what?

  • Make on-time payments.

    Making payments on time gives you a chance at graduating to the WebBank/Fingerhut Advantage Credit Account.

  • Avoid fees.

    Late payments come with fees of up to $14.90. Returned payments come with fees of up to $25.

  • Contact customer service.

    If you have any questions, you can call Fingerhut customer service at 800-208-2500 — Monday through Friday, 8 a.m. to 8 p.m. CT.

Bottom line

If you’re looking to buy merchandise while potentially making low monthly payments, the Fingerhut FreshStart® Credit Account could be an asset. As with any credit card or line of credit, read the fine print and shop around to find a card that fits your spending habits.

Frequently asked questions about the Fingerhut FreshStart® Credit Account

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10 Responses

  1. Default Gravatar
    KiaSeptember 17, 2017

    I applied for a fingerhut card and was denied is there a difference between a regular card and the fresh start program

    • Avatarfinder Customer Care
      HaroldSeptember 19, 2017Staff

      Hi Kia,

      Thank you for your inquiry.

      WebBank/Fingerhut Advantage Revolving Credit Account and the WebBank/Fingerhut FreshStart Installment Loan. These accounts may require a down payment. If you do not qualify for a WebBank/Fingerhut Advantage Revolving Credit Account, they will attempt to qualify you for a WebBank/Fingerhut FreshStart Installment Loan. Hence, the Advantage Credit Account is a line of credit, and the FreshStart program is an installment loan paid back over time.

      I hope this information has helped.


  2. Default Gravatar
    JulioJune 10, 2017

    I went into bankruptcy last year, I wonder because I use to be a member of your store can I get a second chance.

    • Default Gravatar
      LiezlJune 18, 2017

      Hi Julio,

      Thanks for reaching out. Just to confirm though, you have reached -a comparison website and general information service, not actually Fingerhunt.

      To know if you’re still eligible to renew your account, kindly contact Fingerhunt directly by clicking the “Go to WebBank’s Website” button. You can find their contact information under Customer Service tab.

      Alternatively, you can check this page for a list of lenders who might be willing to consider you for a second chance.

      I hope this has helped.

      Kind regards,

  3. Default Gravatar
    ScottieMay 22, 2017

    what items are available for me to buy?

    • Avatarfinder Customer Care
      AnndyJuly 3, 2017Staff

      Hi Scottie,

      Thanks for your question.

      There are numerous categories of items that you can buy at Fingerhut website using this card. Fingerhut sells home furniture, clothing, tools, toys, electronic items, outdoor gears, appliances and more.


  4. Default Gravatar
    AngelaApril 18, 2017

    I was accepted for a $250 credit limit. I don’t understand about the$30 one time fee. Please explain.

    • Avatarfinder Customer Care
      HaroldJuly 11, 2017Staff

      Hi Angela,

      Thank you for your inquiry.

      While we do not represent any company that we feature on our pages, we can offer you a general advice. With Fingerhut FreshStart Credit Account I don’t think they have “one time fee”. You may be referencing with “$38 Returned Payment Fee”, this is for late and returned payments depending on the state of your residence.

      I hope this information has helped.


  5. Default Gravatar
    RebeccaFebruary 25, 2017

    Can someone tell me? Actually why, when I place my first order on my finger hut fresh start account,No one has accepted my credit card $30 down payment. Would think I might have put something wrong on my account. I would like some figure. Can someone please help me out with this problem. Thank you

    • Default Gravatar
      JonathanJuly 30, 2017

      Hello Rebecca,

      Thank you for your inquiry.

      There are variety of factors why your card may not be accepted. However, the common non-acceptance is because credit Cards are not accepted for payments with the FreshStart® Program.

      Fingerhut FreshStart® credit account issued by WebBank is an installment program. Once approved, you would make a one-time purchase that is a minimum of $50.00 (includes shipping and handling and taxes) and a maximum of your approved credit limit. Afterwards, a $30.00 down payment is required for your order to ship and to continue with the program. This amount will be deducted from your order total. Orders where the down payment is not made in time will be cancelled. The down payment can be made with the following methods of payment:

      – Debit Cards
      – Money Orders
      – ACH or Paper Check
      – CheckFree
      – MoneyGram Payments

      Next is to pay the balance off monthly on-time. Once done, you will be rewarded with a WebBank/Fingerhut Advantage Credit Account that will have a higher credit limit and no down payments.

      You may want to check the T&Cs of this product or speak to their Customer Service for further clarification.

      Hope this helps.


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