Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
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.
APR on Purchases
14.49% - 25.49% (V)
Balance Transfer
APR: 14.49% - 25.49% (V)
Balance Transfer Fee
WalletHub Review
Hobby Lobby Credit Card Pros & Cons
No membership fees
High rewards rate
1,000 points initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Hobby Lobby Credit Card's Additional Info
| cash advance fee | 3% (min $10) |
| cash advance APR | 25.49% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 24 days |
Compare The Hobby Lobby Credit Card vs. Other Cards
Hobby Lobby Credit Card
Chase Freedom Unlimited®
Citi® Double Cash Card – 18 month BT offer
Purchase Intro APRNot Offered
Purchase Intro APR0%for15 months
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Transfer Intro APR0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Regular APR14.49% - 25.49% (V)
Regular APR20.49% - 29.24% (V)
Regular APR19.24% - 29.24% (V)
Rewards Rate1 - 5 points / $1
Rewards Rate1.5 - 5% Cash Back
Rewards Rate2% Cash Back
Apply Now
Apply Now
Questions & Answers
Can't find what you are looking for? Submit your question about Hobby Lobby Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
Can I apply for the Hobby Lobby Credit Card?
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Upvotes
Reply
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Maria Adams, Credit Cards Moderator
@m_adams
No, you cannot apply for the Hobby Lobby Credit Card anymore. This card is no longer available to new applicants.
Alternative Credit Card Options
If you're looking for similar store cards, you can check out the Walmart® Store Card. This card gives you 2 - 5 points per $1 spent at Walmart and comes with a $0 annual fee. Alternatively, you can take a look at the Target Credit Card, which offers a 5% discount at Target and has a $0 annual fee.
Lastly, you...
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Can I use it anywhere or just at Hobby Lobby?
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WalletHub
@WalletHub
This card is a VISA, which means you can use it anywhere VISA is accepted, including other stores. You will even earn 1 point per $1 spent with this card. Best of luck!
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Is the Hobby Lobby Credit Card a charge card?
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Reply
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WalletHub
@WalletHub
The Hobby Lobby Credit Card is not a charge card.
That amount you spend will accrue interest just like any purchase if you do not pay it off by the due date.
4
What credit score or rating preferably both is required to be approved for the hobby lobby visa card?
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Reply
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11
WalletHub
@WalletHub
You need good credit, or a score in the 661-720 range.
How do I check my Hobby Lobby Credit Card application status?
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Reply
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3
WalletHub
@WalletHub
You can check your Hobby Lobby Credit Card application status by either logging into your account online or calling customer service at 800-947-1444 and providing your Social Security number.
In any case, it shouldn't take much longer than a week to get a decision.
You'll likely be notified first via email, then through a physical letter in the mail and, ultimately, by receiving your actual card.
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Can you get approved for the Hobby Lobby Credit Card with no credit?
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Frieda Reiss, WalletHub Credit Card Analyst
@freiss
It's unlikely that you'd get approved for the Hobby Lobby Credit Card with no credit, as it requires good credit at a minimum. That's a credit score of at least 700.
But there are plenty of options that are within your credit range, so to speak. For example, if you're in college, you'll have a good shot at getting a student credit card. If not, the Capital One Platinum Cardand the Capital One Platinum Secured Cardare excellent options.
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What's the Hobby Lobby Credit Card credit score requirement?
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Upvotes
Reply
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Evelyn Boros, Credit Cards Moderator
@evelyn_boros
The Hobby Lobby Credit Card's credit score requirement was at least good credit, but you can no longer apply for it. A similar credit card would be the Big Lots Credit Card, for which you can apply even with fair credit.
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How do I check the status?
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Reply
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6
What's the Hobby Lobby Credit Card APR?
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Edgar Mason
@saintcroix8_08
The Hobby Lobby credit card APR is 14.49% - 25.49% (V).
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How much is the Hobby Lobby Credit Card minimum payment?
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Reply
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Marcel Berg
@ice_berg94
Your Hobby Lobby credit card minimum payment is 1% of your statement balance or $30 (whichever is greater) + any late fees + interest charges.
You can find the specifics on your monthly statement.
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Hobby Lobby Credit Card Reviews
Share your insights and review for the Hobby Lobby Credit Card
5
15%
4
9%
3
10%
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53%
1
12%
2.6
278 reviews
278 reviews
What's Your Rating?
Holly Woods-Maffei
@hollyw_6
5 Star Rating
I have had a Hobby Lobby credit card for two years now! All I can say is...AWESOME!!!!!! I pretty much decorated my entire house in FREE Hobby Lobby products. I pay all my monthly bills with the card and when the bills comes in I pay it off.... then redeem all the FREE product from the store!!!
Comment
6
1
Jacqueline Lapham
@jacquelinel_4
5 Star Rating
I never need to use my Hobby Lobby credit card at Hobby Lobby anymore because I use their gift cards now and everything is free to me! I use my Hobby Lobby credit card everywhere else to earn as many gift cards as possible. I am having my online banking send them automatic payments weekly and then I use that to buy groceries etc. It is working out very nicely for me.
Comment
6
2
Heather Hathcock
@heather.mathis.90
4 Star Rating
I visit hobby lobby often, so each purchase there earns me 5 points per dollar spent. I earn 1 point per dollar spent anywhere else I use the card. I was awarded a high credit limit, which helped add a few points to my credit score. The interest rate is a little steep, but I just make sure to pay my balance at the end of every month to avoid that fee. Overall, I am very satisfied with the card.
Comment
8
4
Doug Ittner
@DougIttner
1 Star Rating
Despite claiming to be a Christian corporation, Hobby Lobby still charges usury payments on debts associated with their credit card. Don't trust Hobby Lobby.
Comment
6
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Jessica Langlois-Chicke
@jessicachicke
It's not hobby lobby who is giving you this card. It's us bank...some people think everything should be free. I want to shop at your store!
Comment
Emily Cole
@emilyc_10
Hobby Lobby doesn't claim to be a Christian corporation. It's a non-religious company run by religious people. There is no religious affiliation to HL, nor its credit card (which is not managed by HL).
Comment
William Reyes
@williamreyesn
5 Star Rating
I like the Hobby Lobby Credit Card since I am a regular customer, and enjoy the perks it offers! I love the fraud protection in case the card gets lost, and that it offers travel accident insurance on top of it. I wish they would do away with the annual fee altogether, but it is a minor inconvenience. The interest rate is average, but if you pay your purchases on time, there won't be an issue. You also get 1000 points when you sign up, which is a helpful and attractive feature! You get points for every buck spend at the store, but also in purchases at other establishments. For every 2500 points you get a $25 gift card to shop at Hobby Lobby! This is about the same as the TJX store I have for T.J.Maxx.
Comment
1
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Jason Mercer
@jasonmercer
3 Star Rating
I think this card is pretty good for a person that does a lot of crafting and shopping at Hobby Lobby. Earning 5 points per dollar at Hobby Lobby is a great deal. However the interest rates and the chance of an annual fee make this pretty much a generic credit card if you shop anywhere but hobby lobby. I have had a similar card with Amazon and it was great earning points at Amazon because I shop there a lot. So if you think you will be doing a lot of shopping at Hobby Lobby then this is the card for you.
Comment
3
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Ariyana Smith
@ariyana.smith.9
3 Star Rating
For a person who participates in a lot of crafts and constantly finds themselves in need of items at Hobby Lobby, I think this rewards program is one of the more generous I’ve come across; however, I don’t shop at the store all that much and as such wouldn’t benefit so much from these particular offers. I would also hesitate to get this card because of the slightly above average interest rates. For someone with good credit like mine, I can find better offers elsewhere. Overall, I’m sure this Hobby Lobby Credit Card 5 points: $1 reward system is a great offer for someone who always find themselves buying home decorations, but it isn’t particularly suited to my personal needs.
Comment
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Ben
@shortstain
3 Star Rating
The Hobby Lobby Credit Card offers an effective 5% cash back when you shop at Hobby Lobby, which I've never seen in California. This is really similar to the Bed Bath & Beyond Credit Card, which offers 5% cash back for Bed, Bath & Beyond purchases. Both cards also offer the standard 1% return for shopping anywhere else. However, the initial bonus offering, 1000 points for your first purchase, cannot be redeemed instantly like the Bed Bath and Beyond reward. Unless you have a hobby that can be found at their store, the Hobby Lobby Credit Card feels limiting and I would look elsewhere for a rewards card.
Comment
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Edward David
@edavid
4 Star Rating
For a smaller store like Hobby Lobby, the Hobby Lobby credit is alright. It gives you an opportunity to earn back for your continual shopping at the store. The initial bonus is pretty sweet giving you 1000 points which is half the way to a $25 gift card. After that you get 5 points per dollar spent at hobby lobby which is actually very high compared to other stores. Purchases elsewhere are the standard less lucrative 1 point per dollar spent. Sadly they do not have an introductory APR rate but still this car is pretty good if you love Hobby Lobby. Get that money back!
Comment
1
Shoshi Jenkins
@shoshi.jenkins
3 Star Rating
I think that the Hobby Lobby Credit Card is a pretty decent card. Earning 5 points for every $1 at Hobby Lobby is pretty decent. Every $500 dollars that you spend there gets you a $25 Hobby Lobby gift card. The 1 point per $1 spent everywhere else is pretty average compared to the cards I have used in the past. I don't like how it has a $29 annual fee based on your credit. There shouldn't be one. It's a good card for use at this store, but if you want to use it elsewhere I recommend looking at a different card.
Comment
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FAQs
What credit score do you need for Hobby Lobby? ›
If you have a credit score of 750+, you can basically get approved for most credit cards, including the Hobby Lobby Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.
Is there such thing as a Hobby Lobby credit card? ›No, you cannot apply for the Hobby Lobby Credit Card anymore. This card is no longer available to new applicants.
How do credit cards trick you with introductory rates? ›Introductory low APR rates– One of the most common credit card tricks is to lure new customers in with low APR rates that eventually increase significantly after you've created a purchase history and habit of use. Low interest rates often carry with them hidden fees and high penalties for late payments.
How hard is it to get approved for a Lowes credit card? ›The Lowe's Advantage Credit Card is reported to be among the more difficult store cards to get, generally preferring applicants with "fair" credit or better (FICO scores above 620). While you can apply for the Lowe's card online, it's recommended that you apply in-store to take advantage of the one-time signup offer.
What score do you need for Comenity Bank? ›You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).
What credit score is needed for a basic credit card? ›Some cards may require a specific range in order to get the perks that come with that card, like travel rewards or higher credit limits. A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more.
What are the benefits of Hobby Lobby credit card? ›Rewards. 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.
Does Hobby Lobby have financing? ›Pay for your next purchase at Hobby Lobby in 4 installments over 6 weeks when you check out with Zip.
Who is Michaels credit card through? ›The Michaels Credit Card is issued by Comenity Capital Bank, a subsidiary of Bread Financial.
Can you get Home Depot card with 630 credit score? ›As with most other store credit cards, Home Depot requires a credit score of 640 or higher as the minimum to qualify for approval.
What is the lowest credit score for LendingClub? ›
The minimum credit score needed for a LendingClub loan is 600, the company says. However, the average qualified borrower's credit score is 700.
What is the minimum credit score most lending companies require? ›| Term loan | While banks and credit unions typically require a score of 670 or above, online lenders may only require a score of 580 |
|---|---|
| SBA loan | Lenders offering SBA loans require credit scores between 620 and 680 |