Fingerhut Credit® AccountQuick Summary:
This is a Store rewards card, issued by MetaBank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 24.90%* (Variable)*.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 21.65% to the U.S. prime rate.
There is no annual fee for this card.*
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases.
Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 562 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.
The grace period listed for the Fingerhut Credit® Account is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.
There were 41 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 85% of those applicants were approved.
The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 562, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.
- Get the things you want at low monthly payments with Fingerhut Credit!
- Why Fingerhut Credit?
- No down payments, no layaway, no surprises
- Affordable monthly payments
- We often say "Yes!" when others say "No".
- The Fingerhut Credit Account is offered to US residents by MetaBank, a federally chartered savings association and FDIC member located in Sioux Falls, SD, who determines eligibility and qualifications for the terms of credit.
- *If you apply and are accepted for a Fingerhut Credit Account issued by MetaBank, who determines eligibility and qualifications for the terms of credit.
* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.
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Consumer Card Rate Comparison
|Avg. Annual Fee||$5.9**|
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