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Last Updated: 07/28/2025

Not Currently Available

Fingerhut

in Credit Cards from WebBank, Member FDIC

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Fingerhut logo
Mostly recommended7 total votes
4 users recommend
1 users are unsure
2 users don't recommend
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Highlights

Community Rating

Mostly recommended

Purchase APR (Fixed APR)

29.99%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)

N/A

Credit Score Range

600 - 640
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Annual Fee

N/A

Number of Reviews

7
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Fingerhut Review

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

Fingerhut credit card FAQ

Does Fingerhut credit card have a cash back or rewards program?

No, it does not offer a rewards program.

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.

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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.

Contact

Headquarters

215 State St, Suite 1000
Salt Lake City, UT 84111
Visit Site
Email Support

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

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