Hobby Lobby Credit Card

Hobby Lobby Credit Card is a Store Credit Cards.

Get 1,000 bonus points after your first eligible net purchase made within 90 days of account opening. Earn 5 points per eligible net $1 spent at Hobby Lobby stores or HobbyLobby.com. Earn 1 point for every eligible net $1 spent everywhere else Visa Cards are accepted. Receive a $25 Hobby Lobby Rewards Card for every 2,500 points you earn.

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Hobby Lobby Credit Card List

Hobby Lobby Credit Card

Get 1,000 bonus points after your first eligible net purchase made within 90 days of account opening. Earn 5 points per eligible net $1 spent at Hobby Lobby stores or HobbyLobby.com. Earn 1 point for every eligible net $1 spent everywhere else Visa Cards are accepted. Receive a $25 Hobby Lobby Rewards Card for every 2,500 points you earn.

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If you want more cash back, you can choose Cashback Rewards Plus American Express® Card.

Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
  • Unlimited 1% cash back on all other purchases.
  • Enjoy no foreign transaction fees when you travel outside of the United States

If you want to save money in your common purchases, you can choose USAA Rewards™ American Express® Card.

USAA Rewards™ American Express® Card

  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date or caps on any points earned.
  • Redeem points for cash, merchandise, gift cards, travel or donations to the military affiliate group of your choice.
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What Credit Cards Are Available? (1)

Hobby Lobby Credit Card Hobby Lobby Credit Card
Sing-Up Bonus Yes
Annual fee $0 - $29

Hobby Lobby Credit Card Basics

One thing that separate Hobby Lobby credit card from most other store credit cards in the market is the fact that it is issued by U.S. Bank. This helps as you can expect quicker login and better management of your account. Moreover, you can rely on the highly appreciated U.S. Bank customer service in case you need their help.

Most reviewers have hailed it as a good card. Though it is easy to apply, it may be hard to get approved. You can find an online application form at U.S. Bank website, and also at a Hobby Lobby store. You need to have a good credit score (usually more than 650) to avoid an annual fee. Also, it is a good habit to pay balances every month on a store credit card as the interest rate is much higher.

Who is the Hobby Lobby Credit Card Good For?

Hobby Lobby Credit Card offers lots of benefits to the cardholders who use it for their transactions at HobbyLobby.com. It’s a very rewarding card that doesn’t charge any introductory APR rate. Its requirements are moderate and affordable too. This card is unique as it provides services for persons who want to do their shopping online without the stress of going to physical stores.

Why to Apply for Hobby Lobby Credit Card ?

It can be a big advantage, because majority of retail credit cards are applicable only for specific retail chains.

However, with Hobby Lobby Credit Card you can be certain that your card is accepted almost in all shops.

 The customer can enjoy the $25 rewards with the 2500 points by utilizing Hobby Lobby Credit Card. You will get a $25 Hobby Lobby rewards gift card for every 2,500 points you earn on the credit card. So basically every $500 you spend at Hobby Lobby you will get a $25 gift card, which is the equivalent to a 5% savings.

 As you get 5 points by spending. $1 on Hobby Lobby stores.

 The customer is also Rewarded by 1,000 bonus points on your first contrivance by the card.

 This card work on every place where Visa is accepted.

Drawbacks of Hobby Lobby Credit Card

Although Hobby Lobby is a consumer-friendly card, it has its own drawbacks that you should pay attention to. For example, if your credit score is poor, you may have to pay an annual fee.

Normal APR rate is 13.24 – 24.24. Its Cash advance APR rate is 24.24. Its cash advance fee is either 3% of the amount of each advance or $10 minimum whichever is greater and Annual Fee of $0 or $29, based on your creditworthiness when you open your account.

This credit card suits those who shop a lot using plastic money. The card offers no value if you plan to use it at any other place or if you are not a big shopper. It is a little difficult to get qualified for this card. Although they do not mention any minimum credit score, but it is assumed that customers who have a credit rating more than 600 will be accepted.

Should You Get the Hobby Lobby Credit Card?

You will automatically receive a $25 Rewards Card as soon as you accumulate 2,500 points on your Hobby Lobby credit card. Remember, you can earn 5 points for every dollar you spend at the store and 1 point for every dollar you spend at any other place.

This simply means you are offered $5 cash back on every purchase you make at a Hobby Lobby store. Moreover, the card offers 1,000 bonus points after you make your first purchase at the store.

Please be warned that the card may carry an annual fee if your credit score is not within the acceptable limit. Though it is not clear how much credit score you need to qualify for a $0 annual fee, it can safely be assumed that anything over 650 will do. The APR may also vary from 12.99% to 23.99% depending on your credit score.

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.

What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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