Fingerhut Credit

Give yourself a second chance! Comes with Advantage credit card and Freshstart.

Updated: Mar 28, 2021

Advertiser Disclosure

Fingerhut Credit is designed for people looking to improve their credit scores while shopping online. The Fingerhut at the same time strives to educate members about the importance of proper credit usage and the actual value of the money. You can utilize the instantly pre-approved unsecured credit to make your purchases exclusively on their website. The company reports all your credit activity to the main credit bureaus. Using responsibly, Fingerhut can help build your credit history in a short period of time.

ANNUAL FEE

See Terms

ONGOING APR

0% Fixed

INTRO APR

N/A

794 User Ratings

Fingerhut Credit

This card is not available right now.

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Application Fee

N/A

Credit Reporting

Yes

Minimum Credit Needed

Bad Credit OK

Key Features

  • Shop over 500,000 items from great brands like Samsung, KitchenAid, and Dewalt
  • Build New Credit History. The card reports on-time payments to all 3 credit bureaus
  • Take advantage of low monthly payments with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, which determines eligibility and qualifications for the terms of credit
  • See website for complete Terms & Conditions

Our Take

People that suffer from bad credit have been on the rise in the past couple of years. Improving one’s credit score is integral. A good credit score means quite a lot of different things. When you’re the proud owner of good credit, you’re eligible to apply for loans, mortgages, insurance, and other things. But, people tend to ruin their credit with bad purchases, and improving it can be quite a nightmare. Lucky for you, there is a happy pill to the nightmare in question. The solution is the Fingerhut Credit! It isn’t only a store card that gives you a fair amount of purchasing power; it’s an essential tool that every proper credit rebuilding strategy needs to function.

What is Fingerhut?

Fingerhut is a popular retailer that was founded back in 1948 and has been an integral part of any consumer’s purchasing habit ever since. The company has built its reputability through years of hard work and dedication as a reliable seller with a catalog of vast quantities of items. In the past couple of years, though, as everything has gone virtual, so has it, too. Fingerhut Credit now offers an online catalog and a couple of different credit options, specially catered towards people who are looking to improve their credit score.

The Fingerhut family is continually adding options, services, and items. It shows no sign of stopping anytime soon. Fingerhut understands that people deserve a second chance at their credit score, and strives to provide it accordingly. At the moment it offers 2 different credit options: Shopping Credit Card and FreshStart.

Advantage Shopping Credit Card

The Advance Shopping Credit is offered by WebBank, which has purchasing power only on Fingerhut and its affiliated websites. It is a credit card primarily used for rebuilding credit. While its purchasing power is not that great, it is a straightforward, pure, and safe option. This advance credit card is integral to an excellent credit strategy, and can help you:

  • Manage your spending
  • Improve your credit score
  • Track and monitor your purchasing habits
  • Reap plentiful interest

These are all very appealing to people who are not only looking to increase their credit score but improve their credit habits as well. This shopping credit card, like all other cards and credit options available through Fingerhut, is entirely free to maintain, open, use, and implement into your purchasing arsenal.

Fingerhut FreshStart

Fingerhut is a firm believer in the second chance philosophy, and it shows this through its FreshStart option. While the acceptance ratings on the Advanced Credit card are very high, if you aren’t eligible for one, you’re automatically applied to the FreshStart Program, which, in fact, is an installment loan.

Consider this as a one-off spending credit coupon that you can spend on items on the Fingerhut website. When you’ve paid this option off, you’re eligible to apply for an Advance Credit Card, which allows you to reap even more credit-increasing benefits. Both of these credit options report their spending and their pay-offs to all three major credit bureaus (see: Credit Reporting Cards), improving your credit alongside helping you upgrade it further.

Fingerhut Affiliates and Partners

There is one drawback to the utilization of the Fingerhut credit options. They are exclusively applicable to Fingerhut and Fingerhut affiliates. This means you can’t use the card anywhere else. But, there is no reason to worry, as Fingerhut has a vast catalog of online retailers, and has quite the amount of brands and products affiliated with the site.

The most fashionable clothing and electronic brands are all available through Fingerhut. People report that it is just like any other online retailer, with the credit-bonus twist. The shipping fees on these items might be a little bit higher than usual, but that is due to the generous credit options that this website offers. Some of the popular brands affiliated with Fingerhut are Samsung, Keurig, Dewalt, Dyson, Seiko, Skechers, And many more!

Our Final Thoughts

Fingerhut Credit is a reliable and reputable provider of credit. It is an ideal way to improve your credit score, while not missing out on some fantastic purchasing opportunities. There is absolutely nothing to worry about except for paying your debt on time. Transferring money to your Fingerhut card is also very simple, as Fingerhut offers different ways to do this. From all popular cards and accounts to the popular e-wallets, the range of support sure is vast. The card is also free to make, use, and maintain – so you have nothing to lose!

Fingerhut Credit FAQ

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Basic Information
Issuer: WebBank
Network: Other Networks
Category: Consumer (Stored Value)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • Shopping
  • Guaranteed Approval
  • Building Credit
  • Instant Credit
Rewards: No
Rates & Fees
Regular APR: 0%
Regular APR Type: Fixed
Annual Fee: See Terms
Balance Transfer: No
Grace Period: None

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Non-Affiliate Offer Disclosure
*The information provided for Fingerhut Credit is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Fingerhut Credit

Reviews - (6 User Reviews)
Share your experience and rate the Fingerhut Credit
(Excellent)
February 23, 2021
Janet W. (65+) - Wants to have it
Income on Application
$1076
Credit Score
Don't know
Credit Limit
$300.00
Filed for Bankruptcy
No

Amazing products

I would like to have a card with you I’ve seen your catalogs and you have amazing products and the price to match
Fees & Charges:
4/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

(Excellent)
February 23, 2021
Laura Smith (46-55) - Wants to have it
Income on Application
$30.000
Credit Score
Good (670-739)
Credit Limit
$0
Filed for Bankruptcy
No

Love it!

I love the Convenience and Dependability of the card. I highly recommend This to anyone and put my word behind It.
Fees & Charges:
5/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
Comment (0)

(Good)
October 23, 2020
Jessica D.W. (36-45) - Wants to have it
Income on Application
$350
Credit Score
Needs Work (300-579)
Credit Limit
$500
Filed for Bankruptcy
No

Best way to build credit

One of the ladies that i worked with told me at a previous job we worked at that this is the best way to help me build up my credit. Also my mom would always order with you guys when my sister and i were little. She loved you guys.
Fees & Charges:
3/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
Comment (0)

Fingerhut Credit

Fingerhut Credit

Min. Credit Required: Bad Credit OK

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.