HSN Store Card ReviewsReviews, rates, fees and customer service info for the HSN Store Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership fees$10 initial rewards bonusQualify with fair creditHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
HSN Store Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing HSN Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, HSN Store Card earned a score of 5.0/5 for Fees, 1.7/5 for Rewards, 4.0/5 for Cost, 3.4/5 for APR, and 3.7/5 for User Reviews. Info about the HSN Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
40 reviewsRead and write reviews
Editor’s Review
1.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
1.7
Cost
4.0
APR
3.4
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 - 18 months, 32.24% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive a coupon for $10 off your single item purchase made with your new card if you apply and get approved the same day or $20 off when you apply and get approved at a later date.
HSN Card VIPs can now take advantage of 8 or more VIP Savings Events in a year.
VIP easy returns.
HSN Store Card's Additional Info
•
Deferred Interest Details: No Interest if paid in full within 12 or 18 months on items of at least $369 or $549.
•
You can use your card at Zulily, with benefits like 3 smart-pays on every merchandise order.
Standard store card features. The Home Shopping Network Credit Card is like nearly every other store card in the sense that it is available to people with fair credit or better and does not charge an annual fee. In other words, those aren’t unique terms worthy of praise or extra attention.
Nevertheless, the lack of an annual fee makes the HSN Card about $21.58 per year cheaper than the average credit card overall, according to WalletHub’s latest Credit Card Landscape Report. And its fair-credit requirement allows the card to be of some benefit, at least as far as cost-effective credit building is concerned. After all, there’s not much in this offer to entice people with good or excellent credit.
No ongoing rewards. Sure, you’ll get a $10 off a single-item purchase the day you apply for the HSN Credit Card. But the fact that you won’t earn points or cash back on every purchase certainly is not standard for a store card. The best retailer-affiliated credit cards offer 5% back on all purchases, after all. And that’s in addition to a first-purchase discount of at least 10%.
As a result, the HSN Card definitely isn’t the right choice for shoppers who plan to pay for their purchases in full by the monthly due date.
Dangerous financing. Don’t mess around with the HSN Credit Card’s 0% intro APR if you have good or excellent credit. For one thing, it only lasts for up to 18 months. People with good credit can get 0% for 12 months from other offers, while those with excellent credit have options offering 0% for the first 18 months. And those superior 0% cards don’t use a dangerous feature called deferred interest, which the HSN Card unfortunately does.
Deferred interest allows a card’s regular APR to retroactively apply to your original purchase amount, as if the 0% offer never existed. And that can happen if you’re late with a monthly bill payment or you don’t repay your full balance by the end of the intro period. And while general-purpose 0% cards don’t use deferred interest, those affiliated with specific retailers typically do.
That said, things aren’t as clear cut for people with fair credit because no general-purpose 0% cards are currently available to them. If you’re in that position, the HSN Credit Card’s 0% offer could help you save money. But you have to be extremely careful to pay on time and on schedule. We recommend using a credit card calculator if you decide to take this route.
Better alternatives available. If you can manage to pay for your HSN purchases in full each month that you make one, you’ll be able to save a lot more money by using one of our editors’ best rewards credit cards instead of the HSN Credit Card.
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Compare The HSN Store Card vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.3
User Reviews
3.7
Market Comparison
3.8
fees: 5.0
rewards: 1.7
cost: 4.0
APR: 3.4
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.5
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
(40)
(73)
(1,250)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 12 - 18 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about HSN Store 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.
The easiest way you can pay your HSN Store Card is online. Alternatively, you can make a payment over the phone at (844) 889-9676 or via mail. The issuer allows cardholders to set up automatic payments, too.
To pay your HSN Store Card bill online, log in to your online account and click on “Make a Payment.” Then, fill out the information requested in the drop downs and then click “Submit Payment.”
You can use a HSN store card to improve your score, but that's really up to you. If you meant to ask "Will it report to the credit bureaus?" then yes it will. If you pay on time, and use it well, then yes your score will reflect that in time.
The HSN card is a store card issued by Comenity Bank, and it is not affiliated with a card processing network such as Visa or MasterCard; therefore, it can only be used for HSN purchases.
Well you have to take into account your balance, and the interest rate they gave you. If you used Flexpay, you can just check out the payments you have to make on their website.
You can get approved for the HSN Store Card immediately after applying if your application meets the issuer's exact criteria. Otherwise, it might take up to 10 business days to get a decision.
However, if you don't get a decision immediately after applying, it doesn't mean you won't have a shot after your application is reviewed in more detail. If your application gets rejected, you will receive a letter in the mail in 7-10 business days...
Share your insights and review for the HSN Store Card
5
45%
4
18%
3
15%
2
8%
1
15%
3.7
40 reviews
40 reviews
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Denise @furpupsessentials
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5 Star Rating
Verified Customer
This is a great card if you like shopping at HSN Online or the T.V. They always have great deals for those who hold the card. You can make purchases during the holidays and if your not happy with it you will be able to send it back and get a total refund and some of those my have as long as till the New Year.
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Cecelia @smace49
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1 Star Rating
Verified Customer
I had been paying on my HsN account for over 2 years, and none of my payments been applied. Need to know why? Who do I need to report them to?
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0
Candace @candacep_5
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5 Star Rating
Verified Customer
What a site the HSN has created for the community all over the United States; the Home Shopping Network! Wow, really the first time I ever heard about this site was when my sister n law pregnant in bed. This site shows customers the real items right there and how they work and what they really look like. This was so helpful to alot of people that didn’t know how to use a computer at the time. What a change they made and look at them now. Everything you can just imagine except for some men thing's but OMG. They should come off a lot of that shipping.
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Jeanie @a1waystreet
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5 Star Rating
Verified Customer
Very positive application is super easy to use. I like the flexibility but would like to see a Visa Option not just not just Master Card.
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Ken @kenbillinger
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3 Star Rating
Verified Customer
They continue to pull $50 per month payment, even with a zero balance. Asked them several times to correct the issue. Still not resolved.
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0
HARRY @harcatestate
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5 Star Rating
Verified Customer
GETTIG CREDIT WAS EASY, AND MAKING INTEREST FREE PAYMENTS OVER TIME IS ALSO GREAT. THGANKS A LOT HSN AND SYNCHRONY BANK THE BANK
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0
0
Donald @matthew_nita
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5 Star Rating
Verified Customer
THIS CARD COMES IN HANDY WHEN SHOPING ON HSN WHEN GETTING BIG ITEMS LIKE A TV OR LAPTOP, I WOULD TELL MY FRIENDS TO GET THIS CARD IT WILL COME IN HANDY
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0
Manfojean @rmanfojean
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5 Star Rating
Verified Customer
I like the fact they split my payments over months without charging extra for doing so. It allows me to spend more with a smaller monthly payment, without interest fees, if paid on time.
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0
0
Kathleen L @lafrattakathleen
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2 Star Rating
Verified Customer
HSN is almost as bad as QVC, and their credit card is issued by the same bank. Terrible customer service, they charge you for returns and the balance on the credit card does not reflect what you actually bought. They trump up phony fees and charges! No one can figure this out! Stay away.
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Rick @wild66cat
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1 Star Rating
Verified Customer
SYNCHRONY bank sucks donkey acorns! They destroyed my credit score by taking away $1,000 of credit based on a bogus late payment report by another creditor.
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Review HSN Store Card
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