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A line of credit that can help you buy merchandise and build your credit score.
30-second take
- 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 |
|---|---|
| Card Type | Store card |
| 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 |
|---|
The basics
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.
The perks
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.
What you might pay each month
Your minimum payment will change depending on your balance. Here are a few ranges of account balances and their estimated minimum payments, based on the card agreement as of December 2018.
| 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.
Compare shopping cards
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.
Eligibility criteria:
- You’re at least 18 years old
- You have a valid Social Security number
Required documents:
- 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.
Avoid fees.
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.
Bottom line
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.
Does the advantage revolving credit line report the same as fresh start. I have a fingerhut advantage credit card account. I dont have fresh start and every little thing i do with the exact amounts gets reported to my credit which is dropping my credit score, not increasing it. If it helps your credit then how is it hendering mine. All payments are and have been made on time. Never once a late payment.
Hi Workman,
Thanks for your inquiry
Please note that we are not affiliated with Fingerhut. You may need to address your question directly to Fingerhut as only they have access to your finances.
Hope this information helps
Cheers,
Arnold
How do I know if my payment is accepted?
Hi Barbara,
Thank you for your inquiry.
While we don’t have any information whether your payment to Fingerhut is received, since we are not affiliated with them, you’ll know that your payment is received by Fingerhut when you receive a payment confirmation number when you pay by phone or online. For mailed payments, please allow 7-10 days for Fingerhut to receive and process the payment.
Please keep your confirmation number for your records.
You will see your payments on your account within 1-2 business days. Please note that your available credit will update immediately.
Please sign in to your account and select ‘My Account’ at the top of the page. On the left side click the Statements link to view your current account information and past statements.
From there you can view your available credit, account number, due date, minimum due, current balance and last statement balance. You may also download past statements from there.
I hope this helps.
Kind regards,
Jason
I already have credit limit with finger hut of 1,500.00 for about 3 yrs but its not this new credit card. How the process go for me applying for the credit card since I already have a finger hut account.
Helo Kenney,
To apply, please click here
Cheers,
Gru
Hello I just got approved to for a Fingerhut Advantage. Do I have a certain amount of months to pay off the item I’m looking to purchase ( cost total $386)? Or is it like a credit card?
Hey Diane,
Thanks for your question! It’s like a credit card so you won’t have to pay it off by any set time.
Cheers,
Anna
I have a web bank card through fingerhut and i was looking to pay off my full balance today but cant find a number to call to do so. Does anyone know the number to call
Hello Steven,
Please see their hours and contact number below:
Customer Service
1-800-208-2500
Monday – Friday, 8:00am – 8:00pm Central Time
Hope this helped.
Cheers,
Gru
I recently opened an account in order to help build my available credit. How long will the account remain open without using it before WebBank closes the account?
Hi Kristin,
Thank you for your inquiry.
Generally, they can close your Account at any time. You can cancel or close your Account at any time by writing to us at WebBank, Fingerhut Credit Account Services, P.O. Box 1250, St Cloud, MN 56395-1250. If they have issued you a card with your Account number, you must cut it in half and return it to them. You may not use your Account for any purchases after you cancel or close your Account. If you do not pay them in full when you cancel, your outstanding balances will continue to accrue interest charges and other charges, and will be subject to the terms and conditions of this Agreement.
I hope this information has helped.
Cheers,
Harold
I just got approved for Fingerhut Advantage is this kind of credit card that can only use at fingerhut online store?
Hi Jean,
Thanks for your question.
Yes, you cannot use this card outside of Fingerhut.
Cheers,
Anndy