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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.

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A


24.90% - 29.90%







* 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.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

$4.90 - $24.90*

Cash Advance Fee


Balance Transfer Fee


Saving Details

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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Fingerhut Credit® Account Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

114 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

Fingerhut has helped me with credit:) Helpful to 2 out of 2 people

I learned about fingerhut when i was about 15 as my grandmother had purchased a camera for me from fingerhut. As soon as i turned 18 with a job i applied and recieved about 250 if i believe and bought another camera and some toys for my siblings. Now I am 19 and fingerhut now has let me have a credit line of $950.00 with a credit score of 630 and I have purched a brand new car also. I feel very proud of myself to have a ok score at this age as i am just barely starting. Credit is very important and i REALLY recommend fingerhut to those who want to fix their credit. Theyre awesome and they have everything you need and shipping is fast!

lolaangel16's response was:    

May 14, 2015

lolaangel16(1, 2)

Excellent When trying to Rebuild Credit Helpful to 1 out of 1 people

I started about a year ago with fresh start and my credit limit was only $210 because my credit score was about 550. Now they have graduated me to a regular account and given me a credit increase 3 times to now a 1250 limit and it has helped my credit. My score had gone up 100 points with this card and a few disputes....i wish I had 3 accounts just like this one

Mpowered1's response was:    

May 13, 2015

Mpowered1(1, 1)

Their FreshStart is Really Cool Helpful to 4 out of 4 people

Just over a year ago I had no credit cards. I'd been off the grid for about 4-5 years. I looked around for easy-approval, low-fee credit cards, and fingerhut came highly recommended. So I applied and got approved in the FreshStart for $225. I bought my wife a nicer wedding band (believe it or not) for just under $200. I paid it off in about 3 months and graduated to a $250 revolving account.  I bought a few other things and paid them off immediately. I got another increase to $750. All this happened within a year. 

Fingerhut is really easy and it's cool. Yes the prices are higher, but it's worth the help when you're trying to build up your credit score. This approval will lead to other approvals down the road if you take care of business. Join.

jtoma45's response was:    

May 10, 2015

jtoma45(8, 178)

Pretty good account Helpful to 4 out of 4 people

I am happy with Fingerhut because with poor credit (550transunion) I was approved for $300 limit at age 19. I now have had the card for 8 years my credit limit is $2600 and I never keep more than $300 charged on it. It really helps my utilization and they give very frequent increases. The only downside of the increases is a lot of times they will give you a pending credit increase of $500 or so, and you have to spend that much within a certain timeframe to keep that cl increase. Overall tho it is a great card. 

frieri423's response was:    

Apr 27, 2015

frieri423(5, 26)

Go Fingerhut!! Helpful to 8 out of 8 people

I applied for the the Fingerhut Fresh Start on March 26, 2015, and was sent an email that I had to call in and verify some information. I called and verified all of my information and was informed that I was approved for a $500 CL. My scores at the time was 580. Since I have had this account my scores have raised to 595 TU. I appreciate them so much for giving me this account!!!!! I am on the way to imprvoing my credit! I also talked my boyfriend into applying for this program as well, and he was approved for the same amount! Good luck everyone!!

ladym2011's response was:    

Apr 12, 2015

ladym2011(5, 19)

See all 114 Reviews of Fingerhut Credit® Account

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ 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 November 2014 through April 2015. 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.