Why Apply for the Hobby Lobby Credit Card?
Let’s take a look at what you can expect when you apply with the Hobby Lobby credit card application.
Whether you like spending money at craft stores or like to get rewards whenever you make a credit card purchase, the Hobby Lobby credit card could be for you. In addition to a competitive interest rate for a department store card, you may be entitled to points and other perks for each purchase that you make.
The only issue with getting the Hobby Lobby Credit Card is that the interest rates on department store credit cards is high. You will save on rewards, but only for this store.
There are much better alternative credit cards out there where you can earn consistent rewards for cash back or travel miles. These cards let you earn rewards each time you make a purchase on everything you buy.
Before applying for the Hobby Lobby credit card you can compare alternative credit cards for a better deal.
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What is the Interest Rate on this Credit Card?
If you are accepted for the Hobby Lobby credit card, you can expect to pay anywhere from 13 to 24 percent interest.
This is a high interest rate and you should make sure if you get the card you pay off the balance each month. Your rate will be determined partially by your credit profile and partially by the current base rate.
There is no introductory rate on this card, and you don’t get a special rate for balance transfers.
What are the Perks of Using the Card?
One of the advantages of filling out a Hobby Lobby credit card application online is the perks. For each dollar that you spend at Hobby Lobby, you will be given five points that can be used toward other card rewards.
You will also get the five points for every dollar that you spend on their website. For each dollar that is spent at other retailers, you will receive one point. Card users get a $25 gift certificate for each 2,500 points that they earn. Finally, you can get a bonus 1,000 points if you make a purchase within 90 days of opening the account.
Are There any Fees for Using The Hobby Lobby Card?
There are fees that may apply for some uses of this card. Some cardholders may be subject to an annual fee of up to $29.
There is also a balance transfer fee of $5 or 3 percent of the transfer amount. If you make a late payment there may be a $37 late fee. No penalty rate is charged on the Hobby Lobby Visa card. Furthermore, there is a fee of either 3 percent or $10 for cash advances. You may also see a 3 percent fee for all foreign transactions.
Make sure you understand all the details regarding fees, so they can be avoided.
How Do I Apply for the Card?
It may be possible to apply for a Hobby Lobby credit card at any of their store locations. You can also go online to find out more about the card before you begin the Hobby Lobby credit card application process.
Your application should only take a few minutes to fill out assuming that you have some basic information handy. You should be ready to provide your name, address and phone number or email address where you can be contacted. Make sure you have the name and address of your employer as well as your annual household income.
If you are in the market for a credit card that offers rewards to its users, this may be one that you want to look into further. The next step on your journey is to either talk to Hobby Lobby or go to the site to fill out the Hobby Lobby credit card application online. Just visit www.usb-offer.com
What are Other Credit Card Options?
You can first compare other credit card offers. You may find using a regular daily cash back rewards credit card could be a better deal. Learn about other top credit card offers below and apply online.