Hobby Lobby Credit Card

Hobby Lobby Credit Card is an arts and craft store, their services also includes hobbies, pictures framing, jewelry making, fabrics, floral and wedding supplies, cards and party ware, baskets, wearable art, home accents and holiday merchandise. Card is issued by the United Stated of Bank (US Bank). The credit card provides services that made cardholders transactions at HobbyLobby.com easy and flexible.

Hobby Lobby Credit Card (1)

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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Hobby Lobby Credit Card is an arts and craft store, their services also includes hobbies, pictures framing, jewelry making, fabrics, floral and wedding supplies, cards and party ware, baskets, wearable art, home accents and holiday merchandise. Card is issued by the United Stated of Bank (US Bank). The credit card provides services that made cardholders transactions at HobbyLobby.com easy and flexible.

1. 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 allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

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.

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.

3. 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.

4. How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

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.

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