Fingerhut Credit® Account

Sorry, this offer is no longer available on Credit Karma.
  • 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.
Annual Fee:
N/A
Purchase Intro APR:
N/A
Purchase Regular APR:
24.90% - 29.90%
rnglast:29.90
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* 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 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate *
Cash Advance Fee N/A
Late Fee $4.90 - $24.90*
Penalty APR See Terms
Balance Transfer Fee N/A
Foreign Transaction Fee N/A
Return Payment Fee See Terms

Cardholders' 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 Helpful Positive Review
Brad404
Rapid Credit Line increase
by Brad404
Helpful to 11 out of 11

After some downtime without a credit card, I got a small secured card ($250 limit) and tried some others and received a slew of denials. I tried Fingerhut and was awarded a $500 credit limit. Bought something small (look out for free shipping offers), paid it off, bought another small item and within two months was given a $1000 limit. Yes, many tems are overpriced, but they frequently have free shipping offers on everyday household items. I have no plans on buying laptops or TV's from here, and I'm using them to assist me in my rebuild process. I've got nothing but praise for them in my brief experience with Fingerhut.  I even signed up for their sister online outfit Gettington, and hoping for good results with them.

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 Helpful Negative Review
5Mimi5
Made my score drop!
by 5Mimi5
Helpful to 6 out of 6

They basically threaten you that if you don't buy something, your credit will be taken away! I re-established credit 3 years ago and paid them off. I refuse to buy their overpriced, low quality items. They increased my limit to $2300 then dropped it to $1600 thereby causing my credit score to drop by 2 points! It's ridiculous!


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from February 2017 through July 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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