Offered by: MetaBank

Fingerhut Credit® Account

  • 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.
N/A Average Credit Score Approved for this Card
N/A Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR



24.90% - 29.90%




Not Applicable


* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

$4.90 - $24.90*

Cash Advance Fee


Balance Transfer Fee


Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: N/A
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 305
Data Created: October 01, 2013

78 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

No increase

I've spent over $350 with my account and paid off in full no increase after to payments and two big buys limit is still $200

nicklwtn's response was:    

  Apr 10, 2014

nicklwtn(1, 0)

Review by nicklwtn

1 Contributions 0 People Helped

Great card

It has helped out my score alot :)

Mar 26, 2014
Hard credit hit, hard to place order Helpful to 1 out of 1 people

I applied for this because it was recommended here by CK and other reviewers.  Had a CK score of 615, immediately went down to 594.  *Hard, hard hit*.  Got approved for the Freshstart program, so I have to pre-pay a $30.00 deposit on a item minimum of $50.00.

I tried to place an order on Fingerhut site and pay that thirty bucks.  Would not take order due to their glitch, yet hit my bank account twice with holds that lasted almost a week.  My credit union said Fingerhut must fax them a release, Fingerhut says credit union must contact them.  So that's why hold went on for week.

Called and tried to place order when those holds were finally released . Figured it might work better by phone than online.  Customer service rep, who barely spoke English, told me the payment site was down for a while.

Waited a few days, today went on their site to place order, to find a notice the entire site is down for a few days.

Crud.  I had planned to buy something just over then minimum $50.00 limit.   Then occasionally buy something inexpensive to keep account active.

This entire episode has been very disappointing, including a previous attempt to post my experiences here, as my original posting seemed to disappear.  I will try, once again, to contact Fingerhut something next week when the site is supposely working.   A two week pain and stretching towards three weeks.

If I had to do this over again, I sure wouldn't bother with Fingerhut.  I would suggest you don't either.  But since I've already taken the credit hit, I will try for a while longer, and let you all know.

NewLilac's response was:    

  Mar 21, 2014

NewLilac(4, 17)

Review by NewLilac

4 Contributions 17 People Helped

i love fingerhut

fingerhut has helped me through christmas, easter b-days you name it. my mother had fingerhut when we were little. im 51yrs old now.15 grchildren, 5 of my own chuldren.  i have dealt with them for years and have never been sorry. i usually pay more than the minimum so my interest doesnt add up, but if i cant well then  i cant its all good. my credit limit is in the thousands. i thank you for not having hard holidays.

Feb 08, 2014
Have this account

I applied for this account less than a year ago. Using Fresh Start, I made a purchase with my $250 "credit."  CL up to $1,300.  Looks good sitting there at $0.  I buy a meaningless item every 3-4 months (last item was a hand mixer), and they give me a CLI automatically every time I make a purchase. 

bast553's response was:    

  Jan 31, 2014

bast553(8, 24)

Review by bast553

8 Contributions 24 People Helped

See all 78 Reviews of Fingerhut Credit® Account

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.