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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.
N/A
Rewards
$0
Annual fee
29.99% fixed
Purchase APR
300
Minimum Credit Score
Review by
Kevin Joey Chen
kevin.chen@findercrew.comKevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
Expert review
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.
- Go to the provider's site and select Apply now.
- Complete the application with details like your name, email address, Social Security number, date of birth and annual income.
- 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 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 |
Compare store cards
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.
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.