Home Shopping Network (HSN) Credit Card

Home Shopping Network (HSN) Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether HSN credit card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of up to $10 if you spend $0.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.24%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of HSN credit card

The Good	The Bad
Save $10 on an item when you open and use a Home Shopping Network card. Enjoy 12-month VIP financing on electronics, home, kitchen, and other select items $399 or more. No annual fees on Home Shopping Network credit card. Receive $5 in Spendable Ka$h up to 6 times a year. No annual fee. Home Shopping Network (HSN) Credit Card reports to multiple credit bureaus.	High interest rates. Higher than average purchase APRs. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

HSN credit card FAQ

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

No, it does not offer a rewards program.

What are the relevant APRs for HSN credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Home Shopping Network (HSN) Credit Card has a variable purchase APR of 29.24%.

What are the fees for HSN credit card?

The following fees apply:

HSN credit card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$25
Late Payment Fee	$37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Home Shopping Network (HSN) Credit Card report your account activity to credit bureaus?

Yes, Home Shopping Network (HSN) Credit Card 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 HSN credit card

• Visit the HSN credit card 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.