Hobby Lobby Credit Card: Hobby Lobby has made it easier for new customers to apply for a new credit card by developing an online application portal. It is a rewards credit card that allows you earn plenty of rewards on shopping at Hobby Lobby stores or HobbyLobby.com.
Those having a Mastercard can easily access exclusive offers that come with this credit card. Also, a good FICO score is important if you actually want to be approved for this credit.
About Hobby Lobby Credit Card
Hobby Lobby Credit card offers a variety of exciting offers and discounts. It is most useful, when you don’t have enough cash but wish to make a payment at a later date. With a wide variety of credit cards available in the market, it becomes a little confusing at times, as to which credit card to use.
Hobby Lobby has earned a good name in the market by offering best possible services. This credit card is issued by US Bank. This card offers cash backs and reward points on all your purchases, thus enhancing your shopping experience. So, the more you shop, the more you will be rewarded. Hobby Lobby credit card is worth considering and applying for.
Feature of Hobby Lobby Credit Card
This credit card has the following features:
It has a grace period of 24 days.
No Annual Fee
For the Visa card, you are to pay an annual fee of $29.
You will have to pay $38 if you carry out your payment late.
The purchase APR is %0 for the intro APR, 13.24%- 24.24% after that.
Has a Cash advance APR of 24.24%
Cash advance fee is 3% or $10 whichever is higher.
Late payment fee is up to $38
There is no maximum over limit fee
No Max Penalty APR
No Online Response with this card
Returned payment fee is $35
The balance transfer fee is 35 or $5 minimum.
APR of about 14.74% – 25.74% is charged for a balance transfer
A foreign transaction fee is 2% per transaction
There is a minimum interest charge of about $2 if charged.
Using this credit card, you can make as large purchases as you can.
Hobby Lobby Credit Card’s Reward
Hobby Lobby Credit Card comes with a number of nice rewards, such as:
1 point is assigned for every net $1, which gets spent in any place where Visa Cards are accepted;
$25 are being rewarded as a gift card/certificate for every 2,500 points earned;
5 points earned per net $1 spent via Hobby Lobby stores as well as HobbyLobby.com website;
1,000 bonus points are received after the first purchase, which was made during 90 days period of time after the account has been opened.
Hobby Lobby Credit Card Fees/ Rates
Annual Fee – $0 or $29, depending on your creditworthiness.
Purchase Introductory APR Rate – None charged
Normal APR Rate – 13.24- 24.24
Cash Advance APR Rate –24.24
Transfer Intro APR- Not offered
Regular APR – 14.74%-25.74% but varies.
CAF – Either 3% of the amount of each advance or $10 minimum whichever is greater
Hobby Lobby Credit Card Requirements
Applicant must be at least 18 years of age
Must be a resident of the United States of America
It is expected, that an applicant should have an SSN and preferably, log-in details for U.S. Bank online banking access.
Applicant must be a resident of the United States of America
A valid government-issued photo ID
Clear credit history.
How to Apply
Visit the application homepage of the Hobby Lobby, and then locate the “Apply Now” button situated towards the right-wing of the screen.
Thereafter you will be directed to a new web page that displays the application form, fill in your personal data in the fields provided, this includes the following; Name, Suffix, DOB, SSN, Country of citizenship, choose whether you are a citizen of another country, Country of permanent residence, Primary phone number, Mobile phone number, and Email address.
Navigate to the housing details section which requires the following data; Street address, Apt/unit, City, State, Zip code, Time at the said address, Mailing address, Housing status, Monthly payment, and Alternate mailing address.
The income and employment section of the application form requires the following info; Employer status, Employer, Occupation, Annual income, Other income, choose whether you have a checking or savings account
Select the “Yes” option if you are interested in balance transfers and then enter the total amount
Choose the “Yes” option if you wish to add other user and select a card design
Go through and accept the Rewards Visa T & C.
After you are logged in, you can now do your credit card bills payment via Hobby Lobby webpage. You can be paid, can do account alerts set up, sign up for e-statements, request for a credit limit increase, and much more.
Step 2– Once the web page opens you will find the login section at the center of the screen. Enter your Personal ID and then click on “Log In”. (You can check the box below if you wish the browser to remember your ID).
Step 3– Next you will be directed to a new webpage where you are required to enter your password.
Step 1– Customers who have forgotten their Personal ID should open the login page of Hobby Lobby and then click on the “Forgot ID?” link.
Step 2– In the next step, you will be required to select your account type. Choose an Identification method and you will be sent a new ID.
Step 1– If you have lost your password then you must contact the customer help desk using this Link.
Hobby Lobby Credit card offers a variety of exciting offers and discounts. It is most useful, when you don’t have enough cash but wish to make a payment at a later date. With a wide variety of credit cards available in the market, it becomes a little confusing at times, as to which credit card to use. Hobby Lobby has earned a good name in the market by offering the best possible services.
This card offers cash backs and reward points on all your purchases, thus enhancing your shopping experience. So, the more you shop, the more you will be rewarded. Hobby Lobby credit card is worth considering and applying for.