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$0
Annual fee
29.99%
Purchase APR (fixed)
300
Recommended credit score
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, Business.com, Lifehacker and CreditCards.com.
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.
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.
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 |
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.
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.
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
16 Comments
May 2, 2019
Can I use my advantage on any fingerhut catalog?
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.
Cheers,
Ash
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.
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
Cheers,
Arnold
December 24, 2017
How do I know if my payment is accepted?
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,
Jason
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.
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.
Cheers,
Gru
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?
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.
Cheers,
Anna