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WebBank/Fingerhut Advantage Credit Account review

This store card can help you build credit, but it has a high interest rate and no rewards.

  • 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.
  • Apply if you’re rebuilding your credit.
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Annual fee


Purchase APR (fixed)


Recommended credit score


Annual fee$0
Annual fee conditionsSee terms
Welcome offerN/A
Purchase APR29.99% fixed
Balance transfer APRN/A
Minimum credit score300
IssuerStore card

Review by

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and

Expert review

The WebBank/Fingerhut Advantage Credit Account is a credit line that lets you buy merchandise exclusively from the Fingerhut store and Fingerhut’s selected partners. It has a $0 annual fee, but watch out for its high 29.99% fixed APR on purchases.

Because of its high interest rate and lack of rewards, it’s inferior to a simple flat-rate card such as the PayPal Cashback Mastercard®. Furthermore, Fingerhut’s products largely have inflated prices, so you may find little upside to shopping with the provider.

If you have less-than-perfect credit, however, the WebBank/Fingerhut Advantage Credit Account may offer much higher approval odds. Furthermore, Fingerhut will report your payment history to the three major credit bureaus, which will boost your credit if you consistently make on-time payments.

How to apply for the WebBank/Fingerhut Advantage Credit Account

Check Fingerhut’s website and collect the necessary information before applying for a WebBank/Fingerhut Advantage Credit Account. You’ll need to be at least 18 years old and have a valid Social Security number.

  1. Go to the provider's site to Learn more about how to apply for WebBank/Fingerhut Advantage Credit Account.
  2. Complete the application with details like your name, email address, Social Security number, date of birth and annual income.
  3. Review and submit your application.

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.

WebBank/Fingerhut Advantage Credit Account benefits

  • No annual fee. Similar credit cards may come with annual fees, but you won’t have to worry about paying a fee here. Just be sure to read the card’s complete terms and conditions under rates and fees.
  • 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. If you apply and are accepted for a credit account issued by WebBank — which determines eligibility and qualifications for the terms of credit — you could enjoy payments as low as $6.99 per month.
  • 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.
  • Potential to get a higher credit limit. Fingerhut periodically reviews your credit profile to determine if it should raise your credit limit. You can increase your chances by consistently making payments on time. Fingerhut doesn’t currently accept requests for credit limit increases. If you miss payments, Fingerhut may reduce your credit limit.

WebBank/Fingerhut Advantage Credit Account drawbacks

  • You may receive a high APR. Cards similar to this one often have APRs of up to 30% variable. Check out WebBank/Fingerhut Advantage Credit Account‘s terms and conditions for its current APR.
  • Late and returned payment fees. For each late or returned payment, you may incur a fee of up to $38.

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 balanceMinimum payment
Up to $6.98100% of balance
$6.99 to $44.99$6.99
$45 to $69.99$7.99
$70 to $99.99$8.99
$100 to $124.99$10.99
$125 to $199.99$14.99
$200 to $249.99$17.99
$250 to $299.99$20.99
$300 to $349.99$23.99

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If this card isn’t right for you, compare other store cards. Consider where you shop the most, the most appealing rewards rates and an APR that will work for you.

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WebBank/Fingerhut Advantage Credit Account reviews and complaints

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 October 2020, Bluestem Brands, Inc. has over 2,500 customer complaints. Unhappy customers complain of difficulty making payments, poor-quality merchandise, unsolicited marketing and unexpected finance charges.

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 $40.
  • Contact customer service. Call 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.

Compare Fingerhut credit accounts


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    Default Gravatar
    May 2, 2019

    Can I use my advantage on any fingerhut catalog?

      Default Gravatar
      May 3, 2019

      Hi Pamela,

      Thank you for contacting Finder.

      Yes, as long as you will shop with Fingerhut and their partner stores, you can use the WebBank/Fingerhut Advantage Credit Card. You may use the card to any of their catalog.

      I hope this helps.

      Please do not hesitate to reach out again if you have further questions.


    Default Gravatar
    December 28, 2017

    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.

      Default Gravatar
      December 28, 2017

      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


    Default Gravatar
    December 24, 2017

    How do I know if my payment is accepted?

      Avatarfinder Customer Care
      December 24, 2017

      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,

    Default Gravatar
    September 20, 2017

    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.

      Default Gravatar
      September 20, 2017

      Helo Kenney,

      Thanks for reaching out to Finder.

      You can apply for WebBank/Fingerhut Advantage credit account online, through Fingerhut website. If you are not signed in, you will be prompted to sign in as an existing customer. Next, you need to fill out the online application form and within minutes you will find out if you have been approved.

      Please review the Product Disclosure Statements/Terms and Conditions before making a decision on whether it is right for you.


    Default Gravatar
    September 4, 2017

    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?

      Avatarfinder Customer Care
      September 5, 2017

      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.


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