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 fingerhut.com or from the Fingerhut catalog.

What Are the Rates for Fingerhut?

The rate for purchases is 25.90% 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.

  • Credit Score Range
    300 - 640
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • No Annual Fee
  • Card Network
  • Balance Computation
    "average daily balance (including new purchases)"
  • Purchases APR (variable)
    Starting at 25.9%
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