WebBank Credit Cards

Yes, PayPal does offer a business credit card, the PayPal Business Credit Card. This card offers unlimited 2% cash back on every purchase you and your employees make. On top of that, the PayPal Business Credit Card has a $0 annual fee. At least good credit is required for high chances of approval.

Keep in mind, though, that you can link any major credit card to your PayPal account. To add a business credit card to PayPal:

• Log in to your online PayPal account or mobile app.
• Select “Associate a debit or credit card” in the “Wallet” menu.
• Enter the card information and click “Associate Card.”
• Select the card and then, click on “Confirm Card.”

Best Business Credit Cards for PayPal

You can also check out our editors' latest picks for the best business credit card offers currently available on WalletHub.

Getting a Fingerhut pre-approved credit offer means you have a roughly 90% chance of being approved for the Fingerhut Credit Account if you decide to apply. You will only receive such an offer after the account's issuer – WebBank – has done a harmless soft check of your credit and determined that you meet the basic eligibility criteria. Even if you have no interest in shopping at Fingerhut, which sells goods online and through a catalog, you still might want to apply. Despite its somewhat unusual name, the Fingerhut Credit Account is just like any other store credit card in the sense that it reports account information to the major credit bureaus each month. That means whether you make purchases and pay your bill on time every month or never actually buy anything, the Fingerhut Credit Account will help you improve your credit score.

You don't need to get Fingerhut pre-approval before applying, though. And even if you have bad credit, your odds of success are still pretty good. Fingerhut is one of the easiest credit cards to get that doesn't require you to put down a refundable security deposit.

So pre-approval isn't a prerequisite. But it's definitely nothing to worry about, either. Pretty much all credit card companies send out pre-approval offers. And getting one from Fingerhut could be your ticket to a higher credit score. That's why it's important to know what it means and how to react. And to help in that regard, we'll summarize what you need to know below.

Here's how Fingerhut pre-approved credit offers work:

• You Have to Be Invited: You can't just go and check whether you pre-qualify. The only way to know you're pre-approved for Fingerhut Credit is to receive a letter from them.
• You Can Apply by Mail or Online: Either complete the paper application included in your pre-approval letter or enter your “Pre Approved Customer Number” at the top of Fingerhut's online application.
• There's a Consolation Prize: If you don't end up getting approved, Fingerhut might offer you a place in their FreshStart program, where you get an installment loan for a Fingerhut purchase. If you pay it back on time, you graduate to a credit account.

So in conclusion, the Fingerhut Credit Account is already pretty easy to get, receiving a pre-approved offer means your odds are even higher than usual, and getting approved is the first step toward rebuilding your credit. The account will help even if you don't make any purchases.

If you'd like to see your credit status before applying, you can check your latest credit score for free on WalletHub, the only site where credit reports and scores update daily.

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.

You can apply for a Fingerhut Credit Card either online or over the phone at (800) 233-3588. There is no way to apply by mail. 

Here's how to apply for a Fingerhut Credit Card:

• Online: To apply for a Fingerhut Credit Card online, fill out the online application with your personal information. Once you submit your application, you should receive an instant decision.
• Over the phone: To apply for a Fingerhut Credit Card over the phone, call (800) 233-3588. Then, follow the prompts to either submit a Fingerhut Credit Card application through the automated system or to get connected to a customer service rep.  

If you've already applied for the Fingerhut Credit Card and you want to talk to someone about the status of your application, call the Fingerhut customer service line at (800) 208-2500.

People with bad credit can get approved for the Fingerhut Credit Card. This card is designed to help people rebuild their credit. The downside is that you can only use the credit line at the Fingerhut online store, but it's still a cheap way to rebuild damaged credit compared to other unsecured credit cards.

WebBank is a financial services company that partners with other lenders and a range of popular brands to provide credit cards, personal loans, small business loans, and auto loan refinancing. WebBank also offers deposit banking products, including savings accounts and “time deposits” (basically a CD).

Here's some more info about WebBank:

Some of WebBank's most notable products and partnerships include the Petal® 2 Visa® Credit Card, the Fingerhut Credit Account, and personal loans through Lending Club. With the Petal 2 Card, for example, WebBank partners with a start-up called Petal, Inc. – WebBank issues the card, and Petal, Inc., services the account. WebBank's relationship with LendingClub is a bit different. Loans arranged via LendingClub are issued by partner banks. WebBank is the partner that issues LendingClub's personal loans and auto refinancing loans.  

WebBank has been around since 1997. But most consumers still are not familiar with them because most of WebBank's most popular offerings don't include “WebBank” in their name. WebBank is based in Salt Lake City, Utah.