Fingerhut is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +29
Mostly recommended7 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Fixed APR)
29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
N/A
Credit Score Range
600 - 640
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Annual Fee
N/A
Number of Reviews
Fingerhut Review
Fingerhut is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a store card issued by WebBank, Member FDIC. If you're wondering whether Fingerhut is the right card for you, read on.
Key Takeaways
- Fingerhut is a closed loop card. A closed loop card is an electronic payment card you can only use to make purchases from a single company.
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 29.99%*.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Fingerhut credit card
| The Good | The Bad |
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Fingerhut credit card FAQ
Does Fingerhut credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
How do people rate the customer service and user experience of Fingerhut credit card?
Overall, Fingerhut credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Fingerhut report your account activity to credit bureaus?
Yes, Fingerhut reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does WebBank, Member FDIC perform a hard credit pull?
Yes, Fingerhut credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Fingerhut credit card
- Visit the website of Fingerhut credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Fingerhut Disclosure: Fingerhut Credit Accounts feature APRs of 29.99%. This APR is a non-variable rate. If you are charged interest, the charge will be no less than $1.00. The Fingerhut Credit Account is issued by WebBank, Member FDIC.
View Fingerhut's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What we love about Fingerhut Credit Account
Fingerhut offers more than 450,000 products from popular brands through its website. Its credit account lets customers finance their purchases instead of paying for them upfront.
Fingerhut offers two credit accounts, the Advantage Credit Account which is available to those with a credit history, and the FreshStart Credit Account, which is a one-time use plan for people who can’t qualify for the Advantage Credit Account. This gives customers a chance to build their credit history.
The online application for a credit account is relatively quick and you can get an approval decision in minutes.
What could Fingerhut Credit Account do better?
One of the most significant drawbacks of the Fingerhut Credit Account is its cost. The account charges a much higher interest rate than most credit cards, making it a very expensive way to finance purchases. On top of the high rates, the FreshStart Credit Account includes a financing charge for each purchase, pushing the costs higher.
Additionally, you can only use the Fingerhut Credit Account at Fingerhut. While the store has a wide variety of products available for sale, this can be limiting if you’re looking for something that has the flexibility of a credit card.
Fingerhut Credit Account’s backstory
Fingerhut was founded in 1948 by Manny and William Fingerhut. The company got its start by selling seat covers for cars, later expanding its product line and moving into selling its products through catalogs.
Fingerhut partnered with WebBank to offer the Fingerhut Credit Account to help customers finance purchases.
The Verdict
If you shop at Fingerhut, the FreshStart Credit Account is a very expensive way to build credit. If you already have a credit card or don’t need to build credit, you won’t have much use for either of the Fingerhut Credit Accounts due to their high costs.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed
Other Services by WebBank, Member FDIC
Business Credit Cards
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Purchase APR
18.24% - 32.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
15.49% - 24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
630 - 850
300
850
Annual Fee
$0
Purchase APR
25.24% - 34.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
550 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 750
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +29, or 3.6 on a 5-point rating scale.
+29
-1000+100
No one recommends
Everyone recommends
Fingerhut Community Reviews
Would you recommend Fingerhut to your friends?
Sarah L.
Jan 12, 2022
May or may not recommend
I have had a Fingerhut account for years and I'll tell you why. My credit WAS horrible, I was at a point in my life where I could barely afford a thing. Through Fingerhut, my credit has increased drastically. With every on-time payment that's made, they increase your line of credit. I went from about $250 line of credit to about $1000! I've bought a dollhouse, laptop and much more. ...Show More
SL
Sean L.
Dec 23, 2020
May or may not recommend
Although the main concern about Fingerhut is the high interest in all their product, I would still recommend this company to people who are trying to build credit. Fingerhut is a great company that accepts a good amount of people who are building their credit from scratch or rebuilding their credit. They always give out credit line increases throughout the year, especially during holidays, and are great for getting gifts ...Show More
KM
Kate M.
Nov 6, 2020
May or may not recommend
I started out with FingerHut when I was trying to build my credit up roughly 5 or so years ago. It gave me a decent line of credit when I had little, if anything, on my credit report. There are a few downsides to this credit card. You can only use it on their website or through their catalogue. While their catalogue is extensive, most of the products are overpriced ...Show More
GW
Geneva W.
Jun 26, 2019
May or may not recommend
Gave me a chance with where my score was and the customer service is outstanding
MM
Marilyn M.
Mar 9, 2019
May or may not recommend
I opened my finger hut acct quite some time back and for those who are new to finger they start you off with a fresh start acct which yes initially it's 200.00 limit however you may the the 25-30 dollar deposit on your order upfront then after that you make on time payments and pay the balance off they immediately change your acct to a revolving credit acct and increase ...Show More
Sam K.
Jan 24, 2019
May or may not recommend
The Customer Service is really unacceptable. Not to mention the HIGH Interest Rates. Dont get this card UNLESS you are desperate....and then pray you can dig yourself out of their
ever-increasing 'Pit of Debt' ,.
U
Anonymous
Mar 21, 2017
May or may not recommend
I clozed my account literally 3 minutes ago and here's why. They give me this ridiculous credit line of $250 which if you have ever looked at Fingerhuts prices that does not allow you to buy much. Especially if your into electronics like I am. I sent them a email requesting a larger line of credit a couple of times telling them I was interested in buying a 55 inch ...Show More
Showing 7 of 7 reviews
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