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Household Bank MasterCard Credit Card

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household credit card
Required Credit Score: Fair
3 69 reviews   Write a Review!
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Household Bank MasterCard Credit Card’s Rewards

This card does not offer rewards.

Household Bank MasterCard Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
14.99% - 19.99% (V)
  • ANNUAL FEE $29-$59 the first year, $39-$59 each year thereafter
  • BALANCE TRANSFER FEE 5%

Household Bank MasterCard Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   $25
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 20.9% (V)
  • CASH ADVANCE FEE 5% (min $5)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Acceptance at millions of locations worldwide.
  • Manage your account online anytime.
  • Receive 100% Fraud Liability Protection.
  • Discounts available from MasterCard® at many of your favorite merchants when you enroll in the services at www.mcnearby.com.
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Household Bank MasterCard Credit Card Reviews

 
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3.0
Overall Rating: 3.0 / 5
Total Ratings: 69
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Dec 11, 2013
Photo of Zeb D.
2
By:
The Household Bank Credit Card is a no frills card. With no introductory rate, and an annual fee, this card is best used when there aren't many other options. Most credit cards I've used offer some incentive to sign up, this really doesn't do that. No rewards, and an annual fee make it an option most likely reserved for those trying to rebuild credit. The annual percentage rate however, is a bit lower than most cards I've used, so you should take that into consideration when deciding whether or not this card is right for you.
Dec 8, 2013
Photo of Jason B.
3
By:
The Household Bank MasterCard is a pretty decent card for those with fair credit, and it’s a surprise to see that they don’t offer it anymore. Let me start by saying this card isn’t fancy. No cool rewards programs or special cash back options. What you get here is an average card with a lower than average interest rate for those that might have a few bumps in their credit history. The almost 60 dollar annual fee might scare away those with higher credit, but if you need a card and are getting declined everywhere else, it might be a fee you can live with. A decent option. more
Dec 5, 2013
Photo of Thomas B.
2
By:
The Household Bank Credit Card is just for people who want to rebuild their credit. There's others like prepaid or secured cards but they all seem to have an annual fee which is basically the fee you pay them to report to the credit agencies that you're making on time payments so you can one day get a competitive rate/fee card. It's ok, but I'd still shop around a little more because the annual fee is ridiculous on any credit card if you ask me.
Nov 25, 2013
Photo of Connie C.
4
By:
The Household Bank Credit card is a card that is good for rebuilding your credit. There is a relatively small annual fee of $39-59 which is expected of rebuilder cards. The interest rate is fair compared to other cards in this class. At 14.99-19.99% it is lower than cards from Capital One which also are of this type. There are no rewards unfortunately which would turn me off from this card, but if you’re rebuilding your credit then you’re probably not too concerned with rewards. Overall this is a good starter card and something that will help you outgrow itself.
Nov 21, 2013
Photo of Krystal M.
2
By:
The great thing about the Household Bank Credit Card is you only need fair credit to qualify for it when most require good to excellent credit. They do have an annual fee around $60, but I suspect this is because they offer the card to people with a lower credit rating. They don't offer any rewards, nor an intro interest rate on purchases. One good thing about this card is that they offer a lower interest rate, at 14.99% to 19.99%, which is considerably lower than other cards that cater to people with a lower credit rating. They also offer online account services, which seems to still be hit and more
Nov 16, 2013
Photo of Leslie N.
1
By:
One of the things I think any customer gets a credit card for is to make purchases when you don’t have cash readily available. It’s unfortunate that this card has such high rates for transfers and cash advances. The price for the annual fees are ridiculous especially since you’ll be using the card, isn't the bank going to make money from the interest anyway. Now compared to a credit card with Iberia Bank you won’t have to pay an annual fee just for using their Visa card. The penalty for a late payment is almost 30% so whoever still has this card better make sure they pay their bill on more
Nov 8, 2013
Photo of Sean C.
1
By:
Unfortunately since this card is not available I am unable to recommend it, but based on what it offers it is virtually useless - yet it still has an annual fee. The penalty for making a late payment is also very steep - one would have to be careful on this. I would only consider a card like this is if you could find a a good use for it that'll take advantage of its annual fees - but I see none. Really the best credit cards on the market are the ones offered by the major banks like Chase, American Express, Citi, Discover, etc. With incredible sign-up bonuses, these more
Nov 5, 2013
Photo of Richard T.
2
By:
Aside from a fairly low APR, depending on your creditworthiness, the Household Bank credit card offers virtually nothing in the way of perks to set it apart from other cards. There are no rewards programs or cash back and it's not available to people with limited credit history. However, it does offer discounts at some merchants depending on availability at your location. However, the yearly fee (which is waived for most cards during the first year, but not for this one) goes up after the first year. There are a lot of other cards that offer more, without any sort of annual fee. I can't recommend this one.
Oct 29, 2013
Photo of Harris B.
3
By:
The Household Bank MasterCard is a pretty average card. It’s great in that it doesn’t require a stellar credit rating from applicants. It allows you to get a needed card and, with timely payments, steadily improve your credit score. As far as fees, some are good and some are not as good. The late fee and overlimit fee are pretty standard for credit cards. However, be careful if you have too many late payments as the penalty APR of 29.99% is really steep and will keep you trapped in debt. Overall, it ranks around the middle of the road for credit cards if you have good credit. However, if your more
Oct 24, 2013
Photo of Stephen M.
2
By:
The Household Bank Credit Card is an OK Card. It has annual fees, which I hate, but it is available for people with just fair credit. There are no introduction rates, and the regular rate starts at 14.99 percent up to 19.99 percent, which is average or in some cases lower than other cards. The NFL Credit Card on the other hand, is for fair credit customers and has no annual fee. It doesn't offer an introduction rate either, and its regular rate also starts at 14.99 percent, but it goes up to 22.99 percent. Its balance transfer fee is 4 percent while the Household card is 5 percent. I more
Oct 21, 2013
Photo of Bela K.
2
By:
The Household Credit Card is an overall good card. Very basic. I used it to build my own credit score. MY annual fee was 35 bucks, but it differs, apparently. Yes, this card is accepted at many locations as mentioned in the description. I don't think I ever had any issues with that. The late fee is 35 bucks and the overlimit fee is 25. That's not a very gracious rate in my point of view, but we're talking credit cards. There are pretty much no perks or offers with this card, not even an intro rate. I would only recommend this to people who are desperate.
Oct 12, 2013
Photo of Jeremy A.
3
By:
This is a card seemingly meant for rebuilding credit. As such, it carries a low annual fee - something I never really understood for a customer trying to rebuild credit. The good news is that it has a low interest rate in comparison to other cards of the same class, and it doesn't hit over 20%. There are other cards that come to mind with banks a little more well known (Capital One) that specialize in this market that maybe one may want to look to first.
Oct 3, 2013
Photo of Tara B.
3
By:
The Household Bank MasterCard would be a good credit card for someone who either doesn't have credit or is looking for someway to clean up their credit. The APR of 14.99-19.99% is decent for a card like this. I've seen some that are quite a bit higher. The late fee and overlimit fees are very reasonable as well. Some credit cards charge enormous fees for being late or missing a payment. One thing that I don't really like about the card is the annual fee for having the card, $29-59 the first year, then $39-59 the years after. I don't understand why a person has to pay an annual fee more
Sep 27, 2013
Photo of Andrea T.
3
By:
The Household Bank MasterCard is a really good credit card for anyone who doesn’t have stellar credit. While there aren’t any rewards offered to the cardholder as a result of using this card, the comparable interest rate and relatively low balance transfer and cash advance fees are lower than my Chase Visa card. This seems like a good option for anyone looking to build (or rebuild) his or her credit. The annual fee is on the high side, but the rate is in line with other cards’ interest rates and the lower fees balance out the cost of the annual fee, in my opinion.
Sep 18, 2013
Photo of Jonathan D.
4
By:
I like the Household Bank MasterCard Credit card even though at first glance it's not the best. If you have great credit this isn't going to be your first choice but if your trying to build or rebuild your credit it's the perfect card. The interest rate of 14.99% is about average and it's right in line with my Capital One card. The yearly fee is a little high but it's not too bad when you consider that the cash advance rate is much lower then most. All together I think the negative of the yearly fee is out weighed by the great fetters of the card.
Sep 2, 2013
Photo of Grant A.
2
By:
This is a difficult card for anyone to swallow. You start out with higher interest then any card around. I imagine that this is a card for people with poor credit. If you have to take out this card understand that it is for sure one that you will have a lot of fees on. You have a balance before your card comes in the mail. Your interest will be around twenty percent so pay it off as soon as possible. Work hard to repair or build credit so that you can move on from this card. It will bleed you dry. Expect to also start out with a very more
Aug 30, 2013
Photo of Binjy S.
3
By:
The Household Bank MasterCard credit card looks like a starter card to me. You only have to have fair credit, so it looks like approval would be pretty easy. The APR runs from 14.99 to 19.99%. That is not too bad. I think for someone maybe trying to improve their credit, this card would be something worth looking into. You really have to be careful about accruing penalties, however, for the rate is almost 30%. I think those wishing to improve their credit scores might want to look into the First Progress Platinum Prestige MasterCard. It looks like this one doesn't have a max penalty. For those with a history more
Aug 22, 2013
Photo of Chris M.
3
By:
The Household Bank Credit Card is a basic starter credit card, it is pretty easy to get approved for and won't be much of a hassle. The fees aren't bad except for the annual fee, which most credit cards seem to be moving away from. Even so, this is a good card for what it is. If you have fair or below average credit this might be a good entry for you, if you don't want to go the secured credit card way. I haven't had any problems with them and everything has been fine on the customer service end. I can't say I can recommend them though mainly because more
Mar 21, 2013
Photo of Alisha B.
2
By:
Household Bank's Credit card is just so-so. I opened an account with them around 4 years ago and haven't had too many issues. The interest rate is high, but since I opened it when I had almost no credit, I guess that's too be expected. I paid it off last year and called to ask them to close the account. The person I talked to tried to talk me out of it 5 or 6 times before she would even tell me what I needed to do. I really didn't like having to yell to get her to understand that I wanted the account closed. After all that, I got more
Dec 30, 2012
Photo of Donna B.
1
By:
Don't trust this company. They do not protect you from fraudulent charges. Their dispute process is a joke. I disputed clearly fraudulent charges by Hotels.com and even sent them documentation about class action suits against Hotels.com for similar fraudulent charges and they refused to reverse the charges.
Oct 24, 2012
Photo of Karen H.
4
By:
I have had my Household Bank credit card for about eight years. The grace period has helped me avoid the card's higher interest rate. The service has always been great. They are a little reactive about online purchases in regards to preventing fraud, but I appreciate that. They just need to communicate with the consumer a little better when they place a fraud hold on the card. They were recently purchased by Capital One. So far, I have not noticed any changes in the way my card is serviced. My payments are always processed correctly. I have never had to dispute a fee. Also, I have lost my card a more
Aug 15, 2012
Photo of Kareen J.
5
By:
I have had this card for several years, and it is a pretty good card to have in your wallet. There is an annual fee, but it is fairly low and Household Bank discloses all of the fees in advance. This card is specifically for people with less-than-perfect credit, so it is a bit more expensive than other credit cards. If you make payments regularly and on time, Household Bank will increase your limit and it can help improve your credit. This is a great card for someone who is just starting to establish their credit history, or someone who is trying to improve it.
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+47 users submitted a rating without a full review
 
Jun 13, 2014
Photo of Chris W.
By: Chris Wood
I lost my Household Bank MasterCard credit card and would like to get a replacement card. The number of the lost card is as follows: 5407 9150 0648 4072, and the 3-digit security code is 954. My email addressis woodc312003@yahoo.com.

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Last updated on: Jun 13th, 2014 at 11:52 EDT