Fingerhut Credit Account

apply online
Card Category
Minimum Credit
Level Needed
Card Type
Card Rating
Intro APR on Purchases (Intro Period)
Intro APR on Balance Transfer (Intro Period)
Ongoing APR (Purchases)
Ongoing APR (Balance Transfers)
Ongoing APR (Cash Advances)
Available Rewards



Card Description
• No Annual Fee.68
• No Over Limit Fee.68
• Get Response in 60 seconds.
• No down payments, no layaway and no surprises.
• Apply for Fingerhut Credit today. Fill out our easy online application.
• Low Monthly Payments.69
• Choose From Over 70,000 Products.
• Shop Great Brands at Fingerhut.com.
• Budget Friendly Payments with Fingerhut Credit!
• Get the Credit You Deserve.
• We just love saying "YES!".
Annual Fee
Activation Fee
Balance Transfer Fees
See website (min=See website, max=See website)
Cash Advance Fees
See website (min=See website, max=See website)
Foreign Transaction Fees
See website (min=See website, max=See website)
Late Payment Fee
Up to $35.00

The Fingerhut Account: Shop Now with Instant Credit Approval

Would you like to be able to shop for clothes, cameras, computers, televisions, jewelry and hundreds of other items now and pay for them later? Fingerhut can extend you a line of credit to make purchases from their online catalog. Financing is available to everyone, regardless of credit history.

The Fingerhut card is a credit account from WebBank that allows you to buy items from the Fingerhut print or online catalog and pay them off over time. Even if your credit is less than perfect, you will likely still qualify.

Who can get it: Anyone can open a Fingerhut account. Even if you have limited credit or poor credit you can be approved instantly. In order to rebuild your credit and improve your credit score, you need to show that you can handle credit responsibly. This card gives you the opportunity to show that you can make purchases and pay off the balance over time.

What you get with it: Fingerhut carries thousands of items for your home, from bed and bath to kitchen and living room. Other categories include: Why you should apply: There are several major benefits of opening a Fingerhut account.
  • Approval is instant for almost everyone who applies. Even if your credit is not perfect, you can get a Fingerhut account.
  • Although Fingerhut is not a traditional credit card, you can still buy everything from clothing to electronics through their catalog of over 30,000 items.
  • When you make purchases and pay them off, Fingerhut will report it to the major credit bureaus and your credit score will improve.
  • Your credit limit will be increased when you demonstrate responsible purchase and payment behavior.
Fees and charges to consider: There is no annual fee for the Fingerhut account and no over-the-limit fee either. There are a few things to be aware of if you miss your payment or plan to carry a balance:
  • If you make a late payment, you will be charged $25 the first time and $30 for each subsequent late payment.
  • If you pay less than your full balance each month, your purchases will accrue interest at the rate of 24.9%.
So even though the Fingerhut website advertises low monthly payments – as low as $5.99 a month – it isn’t a good idea to be tempted to let a balance revolve from one month to the next. If you do, you will end up paying a hefty amount in interest charges. Instead, pay off your balance in full every month. That way you will only pay for what you actually buy.
What happens if I make a late payment on my Fingerhut account?
Is having a Fingerhut account a good way to improve my credit score?
Will my Fingerhut credit account affect my credit score?
Is Fingerhut magazine the same as the Fingerhut catalog?
How can I request a Fingerhut catalog?
Does Fingerhut offer free shipping?
Are there any coupon codes to save on Fingerhut products?
Does Fingerhut have reliable customer service?
What is the phone number for Fingerhut customer service?
Do I have to pay for Fingerhut products on a monthly payment plan,
or can I pay the full purchase price when I buy it?
Why does the Fingerhut site list a price per month for each product?
Can anyone get a Fingerhut credit account?
How does the Fingerhut credit account work?
How long will it take to find out if I am approved for a Fingerhut card?
How do I apply for a Fingerhut credit account?
What kinds of things can I buy through the Fingerhut catalog?
Is having a Fingerhut account the same as having a credit card?

Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.

68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.

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