Fingerhut Advantage Credit Account

For People with
No Credit

If you’ve been repeatedly denied for credit cards, the Fingerhut Advantage Credit Account can be a good way to begin building a credit history.

After being approved you’ll be given a specific credit limit, based on your creditworthiness, and can make purchases up to that limit. You can pay off those purchases over time, but any balance you carry from month to month will accrue interest at the rate shown below. So we recommend paying off your full statement balance each billing period, to avoid interest and keep your credit utilization low.

Having trouble qualifying for credit cards? Check out our top picks for the Best Credit Cards for Limited or No Credit: 2018. We generally recommend trying these cards before applying for a Fingerhut account.

This card can only be used to make purchases from Fingerhut, either online from, from a physical Fingerhut catalog, or by phone. You may also receive offers from select Fingerhut partners, which can be paid for using this account as well.

You may be required to make a one-time down payment when you place your first order with the Advantage Credit Account. Later purchases won’t require a down payment as long as your account remains in good standing.

Cardholders can enroll in the Payment Rewards program. This will provide 10% back for every payment you make to the Advantage Credit Account, and these rewards can be redeemed for Fingerhut purchases. This system is broken up into four 3-month periods every year:

  • Spring Reward: Earned during February, March, and April
  • Summer Reward: Earned during May, June, and July
  • Fall Reward: Earned during August, September, and October
  • Winter Reward: Earned during November, December, and January

If you earn at least $5 back in a particular reward period, you’ll be awarded with Payment Rewards for that amount at the end of the period. Those Payment Rewards will only last for one 3-month period, and will expire 3 months after being issued.

There are no annual fees or membership fees. This credit account is issued by WebBank.

The Fingerhut Advantage Credit Account reports activity to all three of the major consumer credit bureaus: Equifax, Experian, and TransUnion. So, by using it responsibly and always paying on time, you’ll add a positive account to your credit reports, which will help improve your credit.

Fingerhut is known for having higher-than-average prices, and its customer support seems lacking. But if you’ve been unable to qualify for other credit cards, the Advantage Credit Account provides another opportunity to build credit with a revolving account (all credit cards are revolving accounts). You’ll need to pay for it in terms of the products you buy, which could be pricey in some cases, but the end result of establishing a credit history could be well worth the cost.

Fingerhut’s terms state that you must send Fingerhut a written letter to cancel your account. However, we recommend giving them a call at 1-800-208-2500 to see if they can cancel your account over the phone. If that doesn’t work, you’ll need to send a letter to:

Fingerhut Credit Account Services
P.O. Box 0260
St Cloud, MN 56395-0260

You must cut your card in half and send it in along with the cancellation request.

If you apply for the Fingerhut Advantage Credit Account and don’t qualify, you’ll automatically be considered for the Fingerhut FreshStart® Credit Account. This is an installment loan account, rather than revolving, and it will require a down payment. It can be used to make purchases from Fingerhut much like the revolving Advantage Credit Account.

After following the full payment schedule of the FreshStart account, making on-time payments each month, you’ll be rewarded with a revolving Fingerhut Advantage Credit Account. You must follow the terms of the installment account to the letter; if you make a late or returned payment, you will not be eligible for the revolving account.

Where can I use my Fingerhut Advantage Credit Account?

The Fingerhut Advantage Credit Account can only be used to make purchases from Fingerhut or select partners. The account can be used for:

  • Purchases from
  • Purchases through the physical Fingerhut catalog
  • Fingerhut phone purchases
  • Offers from select Fingerhut partners
Card Quick Facts

Card Quick Facts

  • Easy to get for people with limited or no credit history
  • Only usable at Fingerhut and partners
  • Account activity is reported to the three major consumer credit bureaus
  • 10% back through the Payment Rewards program
  • Optional SafeLine payment insurance benefit
  • 29.99% Purchase APR
  • No annual fee

For People with
No Credit

Manage My Card

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Card Details



  • 10% back on payments made to the Advantage Credit Account
  • Must enroll in the Payment Rewards program
  • Rewards are collected and disbursed in 3-month periods
  • Rewards are valid for one 3-month period, and will expire when that period ends
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 29.99% Fixed
Intro Purchase APR -
Foreign Transaction Fee N/A
Chip Technology None
Minimum Credit Limit $200
Maximum Credit Limit $800
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free FICO Credit Score

    Cardholders can check one of their FICO credit scores for free. Updated monthly.

  • SafeLine Account Protection Plus Plan

    Provides insurance for monthly payments if you encounter a qualifying financial hardship.

  • Zero Liability Protection

    You won’t be held responsible for unauthorized purchases. Contact customer support immediately if you suspect fraud.

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