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Fingerhut

in Personal Credit Cards from WebBank

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Fingerhut

Claimed

in Personal Credit Cards from WebBank

Net Recommendation Score 0% 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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2 users recommend
0 users are unsure
2 users don't recommend
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Highlights
Highlights
Community Rating

Rating not yet determined

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Annual Fee $0
Purchase APR  (Fixed APR) 29.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 640

Fingerhut Review

Fingerhut is a 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

  • High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 29.99%
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
  • Accepts cosigners. WebBank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • 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 report to credit bureaus.
  • Does not include many credit card rewards.

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 fixed purchase APR of 29.99%.

Does Fingerhut have an introductory APR offer?

Fingerhut does not offer an introductory rate on new purchases.
Fingerhut Balance Transfers
Description
Balance Transfer APR N/A
Introductory Rate N/A
Intro APR period (months) N/A
Fingerhut Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 29.99%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR N/A
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the Fingerhut fees?

The following fees apply to Fingerhut:

Fingerhut Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $39
Late Payment Fee $39

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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: See the complete WebBank/Fingerhut Terms & Conditions. 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...

Contact

  • Headquarters
  •   215 South State Street, Suite 1000
    Salt Lake City, UT 84111
  •   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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Availability

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

Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 24
Late Fee Amount $39
Minimum Interest Charge $1
Returned Payment Fee $39
Co-signing Allowed  
Customer Type Personal
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Rewards Type no_rewards
Purchase APR (Fixed APR) 29.99%
Balance Computation average daily balance (including new purchases)

Fingerhut Community Reviews

 

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $0 Annual Fee
Purchase APR 14.74% - 25.74%
(Variable APR)
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Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 600 - 850     300 850