Advertiser Disclosure1
Fingerhut Credit Account
Looking to Apply for Fingerhut Credit?
Fingerhut is no longer accepting new purchases. The company stopped accepting new orders on October 2, 2025, which means consumers can no longer open and use a Fingerhut credit account to make new purchases from Fingerhut.
Finance Globe previously tracked the Fingerhut Credit Account and retains information about the program as a historical reference.
Already have a Fingerhut account?
Existing customers who still owe a balance must continue making payments according to their account terms. Use the account access, payment and customer-service information provided with your existing Fingerhut account.
Looking for a new credit account?
If you were considering Fingerhut because you're looking to establish or rebuild credit, you can compare currently available credit cards instead. Fees, APRs, credit limits and approval requirements can vary considerably.
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- See Rates & Fees
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews | Fair Credit, Limited Credit, Poor Credit | Consumer | $75 - $125 | N/A | N/A | 35.90% Fixed | None | Be the first to write one |
|---|
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews | Fair Credit, Poor Credit, Limited Credit | Consumer | $60* | N/A | N/A | 24.99% | Cash Back | Be the first to write one |
|---|
What Happened to Fingerhut?
Fingerhut stopped accepting new orders effective October 2, 2025.
Before the shutdown, Fingerhut operated an online and catalog retail business that allowed eligible customers to finance purchases through Fingerhut credit accounts.
The Fingerhut Fetti Credit Account was issued by WebBank. Fingerhut also offered its FreshStart installment loan program through WebBank.
Although customers can no longer make new Fingerhut purchases, existing customers remain responsible for outstanding balances and should continue making required payments.
Can You Still Apply for Fingerhut Credit?
Fingerhut is no longer accepting new orders, so a new Fingerhut credit account cannot be used to make new Fingerhut purchases.
Consumers searching for a Fingerhut application today may instead want to compare currently available credit products designed for their credit profile.
Historical Finance Globe Data for the Fingerhut Credit Account
The information below relates to a Fingerhut credit offer previously tracked by Finance Globe.
These are historical details and should not be interpreted as a currently available Fingerhut application or current credit terms.
Finance Globe retains this information because consumers may still encounter Fingerhut and WebBank on older credit reports, account records and financial documents.
Rates, fees, credit limits, eligibility requirements and other information shown in Finance Globe's historical database may no longer apply.
Who Issued the Fingerhut Credit Account?
WebBank issued Fingerhut credit accounts.
The Fingerhut Fetti Credit Account was issued by WebBank, an FDIC-insured bank headquartered in Utah. WebBank also provided the Fingerhut FreshStart installment loan program.
Consumers may therefore see WebBank associated with Fingerhut on credit reports, account documents or other financial records.
Learn more about other WebBank Credit Cards
Why Does WebBank/Fingerhut Appear on My Credit Report?
If you previously opened a Fingerhut credit account, WebBank may appear on your credit report because it was the bank that issued the account.
The creditor name appearing on a credit report isn't always identical to the retail brand a consumer remembers using.
If you don't recognize a WebBank or Fingerhut account, review the account details on your credit report and compare them with accounts you've previously opened. If you believe information is incorrect, use the credit bureau's dispute process or contact the company responsible for servicing the account.
What Happens to an Existing Fingerhut Balance?
Closing Fingerhut to new shopping did not eliminate existing customer balances.
Customers who owe money on a Fingerhut credit account are still responsible for making required payments until the balance is paid. Existing customers should use Fingerhut's current account-management system and payment instructions for their accounts.
Finance Globe does not service Fingerhut accounts or accept Fingerhut payments.
What Happens to Your Credit When Fingerhut Closes?
The effect of an account closure on a person's credit score can vary.
An account closure can affect factors used in some credit-scoring models, including available revolving credit and credit utilization. However, the impact depends on the rest of the consumer's credit profile and the particular scoring model being used.
The closure of an account does not automatically mean that a person's credit score will increase or decrease by a particular number of points.
Consumers should continue making required payments on outstanding balances and monitor their credit reports to make sure account information is being reported accurately.
Was Fingerhut a Credit Card?
Fingerhut credit was different from a traditional general-purpose credit card such as a Visa or Mastercard.
The Fingerhut credit account was designed primarily to finance purchases made through Fingerhut rather than purchases from unrelated merchants.
That distinction may be important for consumers now looking for an alternative. A general-purpose credit card can typically be used anywhere its payment network is accepted, subject to the account's available credit and terms.
Looking for an Alternative to Fingerhut?
If you were searching for a Fingerhut credit application because you're trying to establish or rebuild credit, consider the costs and features of currently available alternatives before applying.
Important factors can include annual and monthly fees, APR, whether a security deposit is required, credit limits, and whether account activity is reported to the major credit bureaus.
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- See Rates & Fees
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews | Fair Credit, Limited Credit, Poor Credit | Consumer | $75 - $125 | N/A | N/A | 35.90% Fixed | None | Be the first to write one |
|---|
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews | Fair Credit, Poor Credit, Limited Credit | Consumer | $60* | N/A | N/A | 24.99% | Cash Back | Be the first to write one |
|---|
You can also use Finance Globe Score Match to explore currently listed cards based on an approximate credit-score range.
Finance Globe Member Experiences With Fingerhut
Finance Globe members have shared their experiences with the Fingerhut Credit Account over the years.
These reviews describe individual consumer experiences and may relate to older versions of Fingerhut's credit programs. They should not be interpreted as current product terms, current availability or a prediction of another consumer's credit experience.
Frequently Asked Questions About Fingerhut Credit
Is Fingerhut still in business?
Fingerhut stopped accepting new orders on October 2, 2025. Existing customers with outstanding credit balances must continue making required payments.
Can I still apply for a Fingerhut credit account?
Fingerhut is no longer accepting new orders. Consumers looking for new credit may want to compare currently available credit products instead.
Can I still use my Fingerhut credit account?
Fingerhut credit can no longer be used to make new Fingerhut purchases. Existing customers remain responsible for outstanding balances.
Who issued Fingerhut credit?
The Fingerhut Fetti Credit Account was issued by WebBank. WebBank also provided the Fingerhut FreshStart installment loan program.
Why does WebBank appear on my credit report?
If you had a Fingerhut credit account or another WebBank-issued financial product, WebBank may appear as the creditor or issuing bank on your credit report.
Do I still have to pay my Fingerhut balance?
Yes. Customers with an outstanding Fingerhut balance remain responsible for making required payments until the balance is paid.
Will Fingerhut closing hurt my credit score?
There isn't one guaranteed credit-score effect. An account closure may affect factors such as available credit and utilization, but the impact depends on the rest of the consumer's credit profile and the scoring model being used.
What can I use instead of Fingerhut to build credit?
There are several types of credit products designed for consumers establishing or rebuilding credit, including secured and unsecured credit cards. Compare fees, APRs, deposit requirements, credit limits and credit-bureau reporting before choosing a product.
Historical Finance Globe Data for the Fingerhut Credit Card
Page status: Historical Finance Globe listing
Product status: Fingerhut stopped accepting new orders on October 2, 2025. Existing customers with outstanding Fingerhut credit balances must continue making required payments until their balances are paid. This page contains historical information about a previous Fingerhut credit offer and should not be used as a source for current application terms.
- Easy application! Get a credit decision in seconds.
- Build your credit history – Fingerhut reports to all 3 major credit bureaus
- Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
- Not an access card
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards |
|---|---|---|---|---|---|---|
| Poor Credit, Limited Credit | Personal | None | N/A* | N/A* | See website for Details* | Store Specific |
Fingerhut Credit Account Quick Summary:
The following information was written by Finance Globe, and is not supplied by WebBank.
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. The purchase APR is See website for Details*.
Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*
Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.
Credit Record Needed:
Applicants should have poor credit or limited credit for increased chances of approval.
Other Basics:
The grace period listed for the Fingerhut Credit Account is at least 24 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.
This is a store or retail card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser or select partners.
Our Editor's Commentary:
Consumers with poor or limited credit can benefit from the Fingerhut Credit Account. It is offered to United States residents through WebBank.
With no down payment, affordable monthly payments, and no surprises, the Fingerhut Credit Account is worth your consideration.
Approval Rate:
There were 49 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. 86% of those applicants were approved.This card has a very poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card.
Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
Community Opinion:
Based on community reviews, we found that
85% of 27 users recommend this card.