in Personal Credit Cards

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in Personal Credit Cards

SuperMoney Net Recommendation Score -100% 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.

Strongly not recommended

0 users recommend
0 users are unsure
1 user doesn't recommend
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Who Is Fingerhut Designed For?

Fingerhut is a personal credit account designed for individuals who have average or poor credit. The credit account is issued by WebBank and can be used for making purchases on or from the Fingerhut catalog.

What Are the Rates for Fingerhut?

The rate for purchases is 29.99% APR. There is no penalty APR. APRs will vary with the market based on the prime rate.

What Are the Fees for Fingerhut?

There is no annual fee. Late payments incur a fee up to $38. Returned payments incur a fee up to $38. The minimum interest charge is $1.

What Is the Rewards Program Like for Fingerhut?

There is no rewards program.

What Is the Signup Bonus for Fingerhut?

There is no signup bonus.

Does Fingerhut Have Any Other Benefits?

The Fingerhut credit account does not come with any benefits other than the perk of your payment history being reported to credit bureaus, which means keeping this account in good standing may be a way to help you build credit.

How Is Fingerhut Better Than Other Credit Cards?

The Fingerhut credit account has no annual fee and a competitive rate in light of the account being for individuals with average or poor credit. There is no rewards program, but your payment history will be reported to credit bureaus so maintaining a good track record with this kind of account may help you build your credit.

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...


  • Headquarters
  •   7075 Flying Cloud Drive
    Eden Prairie, NC 55344 USA
  •   Visit Site


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  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 Fees
Grace Period for Late Payment (Days)
Annual Fee
No Annual Fee
List of Fees
Late Payment Penalty
Returned Payment Fee
Minimum Interest Charge
Minimum Age
Co-signing Allowed
Credit Score Range
300 - 640
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Purchase APR
(Fixed APR)
Starting at
Balance Computation
average daily balance (including new purchases)



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Starting Purchase APR 29.99% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Annual Fee $0 Annual Fee
Credit Score Range 600 - 750     300 850