| Rewards | Typically earns 2–5% back in HSN Rewards |
|---|---|
| Signup Bonus | $10–$20 off your first HSN purchase when approved |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable ~34.99% APR |
| Cash Advance Fee | Typically $10 or 5% of the amount, whichever is greater |
| Late Payment Fee | Up to $41 |
| Purchases APR | Variable ~34.99% APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The HSN Credit Card is a store-branded card mainly aimed at regular shoppers of the Home Shopping Network. Most users say it’s less about everyday rewards and more about unlocking HSN-only deals, special financing offers, and occasional discounts on featured products, with no annual fee making it easy to keep.
Many cardholders appreciate the extra savings during HSN promotions, especially when stacking cardholder discounts with “Today’s Special” deals. Some reviewers also mention that approval can be relatively easy compared to mainstream rewards cards, which makes it accessible for rebuilding or starting credit.
On the downside, many users point out the very high APR, limited redemption value outside HSN, and the fact that rewards are essentially locked into store credit. Others feel the card loses usefulness if they aren’t consistently shopping on HSN’s platform.
Personally, I think this card only really works if you’re a frequent HSN shopper who takes advantage of on-air deals and pays balances in full every month. If you’re looking for flexible cash back or travel rewards, most people will find stronger and more versatile options elsewhere.
RATE THIS CREDIT CARD
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J
Convenient but Costly
The HSN credit card is handy for purchasing home shopping items, but the high interest rates and confusing billing cycles can be frustrating. I like the promotional offers, yet if you carry a balance, the fees quickly outweigh the benefits.
