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$0
Annual fee
29.99%
Purchase APR (fixed)
300
Recommended credit score
| Product Name | WebBank/Fingerhut Advantage Credit Account |
|---|---|
| Card type | Store card |
| Annual fee | $0 |
| Purchase APR | 29.99% fixed |
| Balance transfer APR | N/A |
| Interest free period | Up to 24 days |
| Late payment fee | Up to $39 |
| Returned payment fee | Up to $39 |
| Rates & fees | rates & fees |
Review by
Kevin Joey Chen is a credit cards, banking and investments writer who has written nearly 500 Finder articles. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.
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.
Similar credit cards may come with annual fees, but you won’t have to worry about paying a fee here.
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.
You could enjoy payments as low as $6.99 per 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 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 |
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.
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.
For each late or returned payment, you may incur a fee of up to $38.
Check Fingerhut’s website and collect the necessary information before applying for a WebBank/Fingerhut Advantage Credit Account.
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.
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.
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 $39.
Call 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.
Compare Fingerhut credit accounts
