Joyce Brown, WalletHub Credit Card Analyst
@j.brown
There are no other places like Fingerhut for bad credit. The Fingerhut Credit Account is an online store credit card marketed to people with bad credit. You can only use it for Fingerhut purchases, but it is one of the easiest store cards to get. By comparison, you’ll need at least fair credit to qualify for a store credit card from most retailers, including Amazon, Target and Walmart. And the Montgomery Ward Credit Account accepts people with bad credit but won’t help you build credit because it does not report to the credit bureaus.
While there aren’t any other places like Fingerhut for bad credit, there are even better options. Several credit cards are co-branded with a merchant but usable anywhere, and they’re just about as easy to get as the Fingerhut Credit Account. For example, the Capital One Quicksilver Secured Cash Rewards Credit Card offers cash back on all purchases. Moreover, this card also comes with a $0 annual fee and requires a $200 minimum security deposit.

Fingerhut Credit Account
Tom Lipkis, WalletHub Credit Card Consultant
@cindercard
Fingerhut is a good place to shop for people with bad credit. If you’re not approved for the Fingerhut Credit Account, you’re placed in the Fingerhut FreshStart program. This is an installment loan in which you’ll make monthly payments on a purchase of $50 or more. If you make your monthly payments according to the terms of the agreement, you’ll be eligible to transition to the Fingerhut Credit Account. The cost of building credit with the FreshStart program is not cheap, however. You’ll make a $30 down payment followed by either 6 or 8 monthly payments at a high APR.
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Wards does report to the 3 credit bureaus. Maybe that's a new feature, but they do currently in 2/2021 report to credit bureaus.