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 card 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 card. For example, the Aeromexico Secured Card offers a $99 Companion Certificate each year when you pay the $25 annual fee. It also gives 2 miles per $1 spent on gas and grocery store purchases and 1 mile per $1 spent on all other purchases. There is a $300 minimum security deposit ($5,000 maximum) required to open the account.
There’s also a co-branded unsecured card for bad credit, the Official NASCAR Credit Card. It offers 2% cash back on purchases at NASCAR.com and 1% on all other purchases. The annual fee is from $0 to $75 for the first year, and up to $99 every year after that.