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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!

98 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

Great for rebuilding your credit!

I originally got started 7 months ago with their "Fresh Start" program. Made my initial purchase, paid the low cost deposit, got my item VERY quickly, and paid the item off in 6 monthly payments (as started in the requirements to be "graduated" to revolving credit). 2 weeks after my last "Fresh Start" payment, I saw that I had an actual credit limit! My score has gone from 621 to 639 in the past 6 months. I had a couple charge offs and two accounts DEEP in 3rd party collections - all from 5+ years ago. 

Highly recommended for rebuilding credit! Yes, the interest is high, but  with a very limited choice on companies that'd take a shot on your bad credit, it really is a good deal. 

LM001's response was:    

Feb 25, 2015

LM001(1, 0)


I got my Fingerhut Fresh Start account in July  '14 CK score 566 my credit line was $300. I ordered a comforter and paid in full on the next bill $43. In September '14 my credit line was increased to $900. I ordered some bookshelf speakers with warranty $115. I paid on that for two months. December I get another credit line increase to $1400. I ordered a shower curtain and bathroom rug $100. I owe $50 on this account and my CK score is now 632. I have a Capital One card as well. My credit report shows 2 Public Records, 2 collection accounts, 7 charge offs and only two accounts that are repporting positive. My goal is to reach the 700 club by the fall (most of my negative stuff falls off between Aug-Dec '15).

Fingerhut $1400  July '14

Capital One Platinum $3300 Aug '14

Victoria Secret $350 Aug '14

Capital One Journey $500 Feb '15

Mykico's response was:    

Feb 20, 2015

Mykico(2, 0)

ok to start off with

I had a fresh start account paid good for 3 months and paid off on the 3rd  month I got a call today in the account has Graduated to a regular account 

The only down fall the items cost more because of the payment plan 

I was told the account is look at once a month to see if u doing good to get a increase

I'm going to keep it up for my credit and just in case Christmas comes in I can not get my daughter nothing 

I recommend buy so something cheap in pay it off to get that increase

Feb 18, 2015
Great for rebuilding credit! Helpful to 4 out of 4 people

I have had a Fingerhut account for round 6 years now. Like many have said, Fingerhut will approve just about anyone. Yes, their prices are higher than Amazon and most retailers, but remember, they approve just about anyone. There definitely is a cost and risk involved there.

There are so many Pro's to having this account. From their generous and frequent credit line increases, to their selection of products, Fingerhut isn't a bad place to shop at all. I have had Christmas come rolling around and barely have the cash to pay the bills; Fingerhut has been there for me when nobody else was. I appreciate that and years later, now that my credit is better and I have other options, I still order something 1-2 times a year from them. I want to make sure I keep my account active and in good standing, and I feel like I owe it to them.

 There are no hidden fee's associated with Fingerhut. No annual fee's or anything hidden in fine print. What you see is what you get. Pay on time and Fingerhut will take care of you!

wkdclwnz's response was:    

Feb 03, 2015

wkdclwnz(4, 4)

Credit for rebuilding! Helpful to 2 out of 3 people

This card/account is for someone that needs to rebuild credit! I was hit hard credit inquire! and lost -20 points (CreditKarma) and -17 points (CreditSesame) .

So with that said when you get this you will get hit HARD!!! 

I have a 592 credit score (CreditKarma) and went down to 572 not good when trying to rebuild credit! I worked hard for 6 months from rebuildng my credit from 502 to 592 to get hit so hard! I wouldn't recomend this because all the products are $100.00 more then anywere else! 

Keurig 2.0 $150.00 cosco and here $269.00

softball Net $75.00 amazon and here $200

good luck guys! 

zerolimit30's response was:    

Jan 17, 2015

zerolimit30(10, 38)

Top Contributor

See all 98 Reviews of Fingerhut Credit® Account

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to 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 August 2014 through January 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.