Fingerhut Credit Account Review

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The Fingerhut Credit Account, issued by WebBank, is a barebones store credit card. It doesn’t offer a sign-up bonus (not even a discount on a first purchase). It won’t help you save money on future Fingerhut purchases. There’s no cash back or points or coupons to earn and redeem. It’s a basic store credit card consumers can use to finance their Fingerhut purchases and along the way build (or rebuild) their credit histories.

Fingerhut Advantage Credit Account

Overall Rating
2.2
Fingerhut Advantage Credit Account
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 29.99% fixed
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
Ratings Breakdown
for Interest
1.6
for Fees
2.9
for Rewards
2.3
for Credit
5.0

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household See more cards
    Family Shopper
  • Avatar for Trendsetter Persona
    Loves being the first to try something new See more cards
    Trendsetter
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

If your credit history is brief, but your Fingerhut shopping need is pressing, you may be a good match for the Fingerhut Credit Account. You won’t need a stellar credit score to qualify for this card, so it’s an option if you want to build your credit history, too. But only if you’re a Fingerhut regular, because you can’t use this card anywhere else. If that’s you, this card can help you stock up on Fingerhut merchandise, and get you on your way to a better credit score—and to better credit cards.

Pros
  • Easy qualification

  • Can help build credit

  • No annual fee or security deposit

  • Opportunity to increase credit line quickly

Cons
  • No rewards or discounts

  • Limited utility as a credit card

Pros Explained

  • Easy qualification: The Fingerhut Credit Card has the lowest recommended credit score of any store card in our database. That may make it easier to qualify for than other credit cards.  
  • Can help build credit: The Fingerhut Credit Card reports your payments to all three credit bureaus, which can help you build your credit score over time. 
  • No annual fee or security deposit: Most other cards aimed at credit builders require either an annual fee or a security deposit. This is one of the few cards you can qualify for with poor credit and not have to pay either.
  • Opportunity to increase credit line quickly: After you make three on-time payments, the company may bump up your credit limit.

Cons Explained

  • No rewards or discounts: While many store credit cards offer the ability to earn coupons or discounts on future purchases with every dollar you spend, this credit card doesn’t offer any such program.
  • Limited utility as a credit card: Another downside of this card is the fact that it’s only a store credit card—it’s not a traditional credit card co-branded with Visa or Mastercard. This means you can only use your Fingerhut Credit Card for Fingerhut purchases. 

How to Get the Most Out of This Card

Since the Fingerhut Credit Card comes with a high interest rate, your best bet is to use it for small purchases you can pay off before interest begins to accrue, or shortly thereafter. After a few months of regular use—and regular, on-time payments—your credit score will begin to tick up and you can begin to search for a traditional credit card with better terms. 

While this card does not provide you with an updated credit score to review, many banks and credit unions do. If yours doesn’t, consider switching to one that does, or look for a free credit score offered by a large credit card issuer (such as Discover’s Credit Scorecard or Chase’s Credit Journey). Most are free, and you don’t have to have an account to sign up. 

If you have poor credit and need a card that you can use at places besides Fingerhut, you may want to consider a secured credit card. With a secured credit card, you have to pay a deposit before you can use the card, but it may be much more widely accepted than this card and may even let you earn rewards.

Customer Experience

Fingerhut provides online account access via its website, and WebBank, the card’s issuer, has an 800 customer service number, but that’s about it.

Don’t expect white glove customer service with this card. For example, if you’ve been a victim of fraudulent charges on your account, the card’s Terms and Conditions advise you to contact customer service by regular mail. Likewise, if you ever decide to close the account, the Terms and Conditions direct you to do so by mail—and to include the physical card, if provided, cut in half.  

Security Features

WebBank offers basic security features for its credit cards including account monitoring, online encryption, and a secure messaging portal.

Fingerhut Credit Card Fees

The fees for this card are in line with similar cards. However, you should beware of the high APR charged on purchases if you plan to carry a balance.

Next Steps
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CURRENT CARD
Fingerhut Advantage Credit Account
overall rating
2.2
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 29.99% fixed
Annual Fee $0
Rewards Earning Rate This card does not offer a rewards program.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.