Out of Business


in Personal Credit Cards from WebBank

Out of Business


in Personal Credit Cards from WebBank

SuperMoney Net Recommendation Score +17%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly recommended

3 users recommend
1 user is unsure
2 users don't recommend
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Community Rating Mostly recommended
Purchase APR  (Fixed APR) 29.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 640
Annual Fee N/A
Number of Reviews 6

Fingerhut Review

Fingerhut is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

Fingerhut is a store credit card issued by WebBank. If you're wondering whether Fingerhut is the right card for you, read on. This is everything you need to know to make a good choice.

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.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%*.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Fingerhut Pros & Cons
The Good The Bad
  • Considers applicants with fair or poor credit.
  • Fingerhut reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many card benefits.
Fingerhut FAQ

Is there a Fingerhut cash back or rewards program?

No, Fingerhut does not offer a rewards program.

What are the relevant APRs for Fingerhut?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Fingerhut has higher than average purchase APRs.

Fingerhut has a variable purchase APR of 29.99%.

Does Fingerhut have an introductory APR offer on balance transfers?

No, Fingerhut does not come with an introductory APR offer for balance transfers.

Does Fingerhut have an introductory APR offer on new purchases?

Fingerhut does not offer an introductory rate on new purchases.
Fingerhut Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Fingerhut?

The following fees apply to Fingerhut:

Fingerhut Fees
Fees Amount
Annual Fee
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Fingerhut report your account activity to credit bureaus?

Yes, Fingerhut reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Fingerhut

  • Visit the Fingerhut website.
  • 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: 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.


  • Headquarters
  •   PO Box 85740
    Sioux Falls, SD 57118
  •   Visit Site

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

About Fingerhut

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View all personal credit cards offered by WebBank

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.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
No Interest Grace Period for Late Payment 24 days
Minimum Interest Charge $1
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Balance Computation average daily balance (including new purchases)
Purchase APR (Fixed APR) 29.99%
Card Type
  • Store Card
  • Bad Credit
Card Network
  • Not an access card
  • Other

Fingerhut Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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