Skip to content

Fingerhut FreshStart® Credit Account

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

If you apply for the Fingerhut Advantage Credit Account and aren’t approved, you may be offered this installment loan instead, providing a way to establish or build up your credit. You can make a one-time purchase, up to your given credit line, and then pay it off over six months. After that you’ll graduate to the Advantage Credit Account.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 29.99% Fixed

Fingerhut FreshStart® Credit Account

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Fingerhut FreshStart® Credit Account


  • Requires down payment of at least $30
  • Can graduate to a revolving Advantage Credit Account after making on-time monthly payments
  • Easy to get for people with limited or no credit history
  • Account activity is reported to the three major consumer credit bureaus
  • 29.99% Purchase APR
  • Credit line of $125–$230
  • No annual fee
  • Only usable at Fingerhut and partners


Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Fingerhut FreshStart Credit Account is an installment loan provided by Fingerhut. It’s issued by WebBank.

If you want to improve your credit and have had trouble being approved for credit cards, this account could be a way to get your foot in the door and begin establishing a credit history. It’s designed for people with badlimited, or no credit.

When you apply for the FreshStart account you’ll first be considered for the Fingerhut Advantage Credit Account (Review), which is a revolving credit card account that can earn 10% back in rewards at Fingerhut. If you don’t qualify for the Advantage account, you’ll then be considered for the FreshStart account.

After being approved for the FreshStart account you can use it to make a one-time purchase from Fingerhut. Your credit line, or credit limit, will be from $125 to $230. You must place an order of $50 or more, and then pay the required $30 down payment. Then your product will be shipped. You can only place one order with this account.

You’ll be required to make six or eight monthly payments to pay off the balance, accruing interest at a rate of 29.99% APR. After making all of your monthly payments on time, you’ll graduate to the revolving Advantage Credit Account.

You will not graduate to the revolving account if you make a late payment, or if you pay off the entire balance at the same time you pay the initial down payment. You must carry the balance for at least one month and make minimum payments to be considered for the revolving account. This forces you to accrue some interest if you want the revolving account.

There’s no annual fee to use this card. The interest rate is fixed at 29.99%, so carrying a high balance will be costly (but if you only do it for one month, it won’t be too bad).

This Fingerhut account, along with Fingerhut’s revolving credit account, will report activity to the three major credit bureaus. This will let you build up your scores, and once you get into the fair or good credit range you’ll be able to qualify for better reward credit cards.

Although the Fingerhut FreshStart program is an installment loan, you can use it to easily get access to a revolving Fingerhut credit account (having a mix of revolving and installment accounts on your credit reports is good for your credit scores). This is a pretty rare opportunity, especially for people with bad credit.

Scroll to top