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FingerHut Credit Account


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Your Rating:

3.5/5.0 from 11 Offer Ratings
Over the Past 60 Days!

(11) Over the Past 60 Days!

  • Regular Purchase APR See Terms*
  • Intro Purchase APR See Terms*
  • Intro BT APR N/A
  • Annual Fees See Terms*
  • Credit Needed


  • Card Brand N/A

Card Details


  • Click "APPLY NOW" to apply online
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • Get $25 off $100 - USE Promo Code NC568. Exp. 2/28/2015.
  • *SEE Site for Terms & Conditions.

Card Fees

Late Payment Fees N/A

Foreign Transaction Fee N/A

Balance Transfer Fee N/A

Cash Advance Fee N/A

Returned Payment Fee N/A

Penalty APR N/A

Minimum Interest Charge N/A

Ongoing Information

Rewards Cap N/A

Rewards Rate N/A

Annual Fee See Terms*

Grace Period N/A

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

A Fingerhut Credit Account works a little differently than a traditional credit card. Users will not get a physical card, but your account activity will still be reported to the major credit bureaus. Account holders can build credit by making purchases on Fingerhut Merchandise and by managing their account responsibly with on-time payments.This is an open-end account, so you will be assigned a credit limit for each statement that can't be exceeded, and your limit can be increased or reduced. Your credit is extended by WebBank. 

The different interest rates and terms will vary depending on account use. The APR is currently 24.9% variable, but may vary each month based off the average daily balance. Interest charges accrue on purchases on the date of the purchase, but interest can be avoided if there is no prior balance and the new balance is paid off in full by the payment due date. Occasionally FingerHut runs promotions that allow for deferred interest periods.

There are three account options with Fingerhut; no payments option, no payments and no interest option, and no interest option. See the terms and conditions for more information.*Late and returned payment fees will be equal to your minimum payment due, not exceeding $26, but can increase to $37 if you fail to make the minimum payment on time. There is no annual fee with this account.

Since the Fingerhut Credit Account has very unique terms, be sure to read the full terms and conditions by visiting 

Expert Reviews of the FingerHut Credit Account

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

As a Fingerhut Credit Account holder, your account activity will be reported to one of the major credit bureaus so you can build credit, but you can only make purchases through their designated shopping website. Some purchases may qualify for promotional deferred periods.

The Good

Account holders have the opportunity to actually build credit by making purchases for things you already purchase and you have the freedom to determine your interest and minimum amount due based on the purchases you make.

The Not so Good

Similar to traditional credit cards, there are certain fees that come with this account and you can only use this card to make purchases exclusively through the company’s website.

Editorial Note: This content is not provided by WebBank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by WebBank.

Consumer Reviews

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Offer Rating


11 Total Ratings

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4 Star
3 Star
2 Star
1 Star

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