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HSN Credit Card Review

With few benefits, limited shopping and high-interest rates, the HSN credit card is best for customers who regularly shop at HSN or are trying to raise their credit score. Find out if you should add the HSN credit card to your wallet.

The Verdict

With few perks and high interest rates, the HSN card is best for HSN super fans or people trying to raise their credit score

As the credit card for HSN channel, formerly known as the Home Shopping Network, this card, besides being made for HSN loyalists, is a decent credit option for those hoping to get back on the "Good" rung of the credit score ladder.

If you've been denied the opportunity to open a credit card based on bad credit history, then the HSN credit card might be the perfect answer.

Most customers get approved for the card with a "Fair" credit score of 630–689.

For people who are trying to build credit or raise their score, the HSN credit card offers a way to accomplish those goals without paying any fees.

Just be sure you're prepared to follow perfect credit card habits.

HSN % Number of Orders by Day of Week (2017)

Rewards and perks are below industry standards. Unlike other store-specific credit cards that offer points based on purchases or regular discounts, the HSN credit card does not offer regular rewards.

Perks are limited and include ExtraFlex, or small monthly payments on all beauty, fashion and jewelry purchases, a $10 sign-up bonus, and no annual fee.

Deferred interest rates can be too good to be true. The HSN credit card offers VIP Financing or 0% interest on items that cost $399 or more as long it is paid in full within 9–12 months.

But if it's not paid in full within the specified time frame, you will be charged 27.99% interest retroactively.


For example, if you bought a chair for $400, but only paid $25 each month for nine months, you would be charged $84 in interest fees at the end of the promotional period and still owe $259 on the chair.

Why You Should Consider This Card

Only diehard HSN shoppers with perfect credit card payment habits should consider this no-fee HSN credit card

When the Home Shopping Network was established in 1982, the world was a different place—the internet didn't exist and the company had only one major competitor, QVC.

Nonetheless, HSN has adapted.

Today, HSN does more than half of their sales online and is owned by the same company as QVC.

For HSN loyalists or those who like flexible payment options. Depending on what you need in a credit card, HSN may or may not be the best card for you.

Consider FlexPay and other payment plans. FlexPay on all HSN jewelry, clothing, and accessories (with additional rotating categories) is one of the few perks offered by the HSN credit card, and for some customers, this perk alone is worth applying for the card.

Instead of paying all at once, the price of the item is broken into smaller payments and customers are charged monthly.

If you're making a big purchase or simply don't want to part with your cash all at once, interest-free FlexPay is a useful perk.

Limited use means it's only good for HSN super fans. The HSN credit card can only be used on HSN purchases.

This is great news for customers who love to shop through the television network or app but bad news for customers who only occasionally shop at HSN.

If you're looking for a card that can transition from network shopping to grocery store pick up, this is not the card for you.

Why People Love this Card

If you get HSN you'll receive no annual fees, 0% financing, and a chance to improve your credit score

No annual fees make it simple. Customers love that there is no annual fee and as long as bills are paid on time, customers won't be charged any fees at all.

"I am a HSN credit card holder and have always paid my bill on time, so I have never been charged any extra fees. I'm very pleased with everything I have bought from them," explains Kristina from Lexington, Kentucky.

Easy and fast application process makes it accessible. The application process is fast, simple, and exclusively online. A lot of customers only have a soft pull on their credit score and are instantly approved when they apply during checkout.

You can check the status of your application by calling 1-877-285-4007 and referencing your application number.

If used correctly, VIP Financing can save you hundreds. Also known as deferred interest, HSN's VIP financing offers customers the potential to save hundreds of dollars on interest.

Depending on your credit score, you'll be approved for 9–12 months of 0% interest on purchases over $399. With a regular interest rate of 27.99%, VIP financing will save you $210 in interest on a $1000 purchase over nine months.

It's a good deal, but be sure to pay in full before the end of the promotional period or you'll be retroactively charged interest for all of the previous months.

For example, a $500 handbag that isn't paid in full during the promotional period would end up costing an additional $105 in interest. That's one-fifth of the original price!

Average Price of E-commerce Customer Purchases(2017)

Biggest Consumer Complaints

If you're not careful, then high-interest rates, limited shopping opportunities, and lack of rewards can make this card useless

Credit card rewards don't exist. Unlike other retail credit cards that offer up to 5% off of each purchase, the HSN credit card does not offer a point system or regular discounts for using the card.

In other words, there's not much incentive to spend and save.

The price of high-interest rates can add up. With the average credit card interest rate hovering around 17%, HSN's interest rate of 27.99% is well above industry standard.

Compared to an interest rate of 17%, HSN customers will spend over $100 on additional interest fees for a $1,000 purchase if they leave a balance on their card.

If you don't read the fine print, returns can be expensive. Most customers are less than impressed with the strict 30-day return policy and unclear expectations.

"[The] problem is that they never mention that return shipping is the responsibility [of the buyer] and they offer no flat rates. They offer no physical locations to drop off returns for free. Totally misleading and certainly very risky," explains Kara from Lawrence fo New Jersey, in an online review.

The return perk isn't what it seems. If you use your HSN card to pay for an item with a UPS Easy Returns label, you'll receive $5 in Spendable Ka$h credited towards a future purchase at HSN.

It may seem like you're getting free money, but because shipping fees are deducted from your refund and range from $6.95 to $8.95 depending on the weight, you're actually just getting a discount on return shipping.

The Competition

The HSN credit card competes with Capital One QuicksilverOne credit card for customers and business

As one of the only cash back credit cards on the market for people with "Fair" credit scores of 630–689, QuicksilverOne is HSN's biggest competitor.

Both credit cards serve similar customers, but there are some notable differences. Here's how they compare.

Below average credit scores aren't a problem. Both HSN and QuicksilverOne are known to approve customers with fair to average credit scores.

The main difference?

You can use your QuicksilverOne card at any store, retailer, restaurant, or website, while the HSN credit card is limited to use at HSN.

QuicksilverOne offers cash back rewards. With 1.5% cash back on every single purchase, QuicksilverOne customers are able to earn a significant amount of cash throughout the year.

The cash is then applied to their credit card statements as payment.

The HSN offers no cash back reward.

HSN doesn't charge an annual fee. Even though QuicksilverOne offers cash back rewards, it does charge an annual fee of $39.

In order to break even, customers would need to earn cash back on $2,600 worth of purchases each year.

Depending on your annual spending and where you shop, one card might have slightly better perks than the other.

How the HSN credit card compares to its top competitor

HSN QuicksilverOne
How high of credit score do you need? >630 >630
Average APR? 27.99% 24.99%
Annual fee? $0 $39
How big of sign-up bonus do you get? None None
How much do you need to spend to get the bonus? N/A N/A
How many points do you get for every dollar? 0 points 15 points
Any restrictions? Only for purchases on HSN None
If you spent $100 on the card, then how much would the points be worth in dollars? $0 $1.50
How much would you need to spend on the card to make up for the fees (excluding APR/rates)? N/A $2,600

"If you like HSN, then here are other competitive credit card offerings to consider"

QVC for straightforward perks that are similar. Offered by Synchrony Bank, QVC is similar to HSN, but with the Easy Pay offering of three monthly payments on any item(excluding gift cards), the financing perks are just as good as HSN, but even easier to use.

The credit card issuer for the HSN card is Comenity Bank.

Ann Taylor for excellent rewards. If you're mainly shopping for clothes, the Ann Taylor credit card is worth your time. You'll earn a $20 gift card for every $400 you spend, and there's no limit.

Shop online with Target REDcard. If your favorite part of shopping with HSN is doing it from your home, you'll love the Target REDcard, which boasts a 5% discount on all purchases plus free shipping from their website.

The Question Everyone's Asking Now

"What is the HSN credit card shopping cart trick?"

Dubbed the "shopping cart trick," customers with low credit scores who are trying to rebuild their credit found a way to apply for credit cards without having a hard pull on their credit score.

The trick?

Go through the entire check-out process and wait for a credit card offer to pop-up.

Most customers fill in the application and are instantly approved—even if they have a low score.

Comenity Bank is the common factor. The shopping cart trick works at a number of online retailers, including HSN.

In fact, most retail credit cards offered through Comenity Bank will appear as a pop-up application when you check out at each store.

Be careful and apply responsibly. For people who are trying to rebuild their credit or raise their score, the shopping cart trick can provide a second chance.

But just because you can get approved for a card doesn't mean you should because you still need to be able to pay your bills and make on-time payments for your score to increase.

The State of Credit Card Rejection (2017)

How HSN Works

HSN provides a limited use credit card with average terms that are best for avid HSN shoppers

You sign up. You get a card. And you get started buying (and paying for) on HSN.

You can apply online for the HSN credit card.The application process is straightforward and takes less than 10 minutes.

If you're interested in trying the shopping cart trick (see above), it's important that you go through the entire process of checking out—add the item to your cart and enter payment information and shipping address.

If it's still not working, try clearing your website history.

Make sure you have your driver's license, social security number, and annual income number ready before you begin the application process.

Sign-up rewards are smaller than usual. Credit card approval will earn you $10 towards the price of the next item you buy, but depending on the price of the item, you might be better off signing up for the email list and claiming 15% off a single item.

The fees are straightforward. There's no annual fee. However, if customers don't pay their bill on time, they will be charged a $35 late fee.

Because the card can only be used for HSN purchases, customers will never be charged foreign transaction fees.

Credit limits are average but can be increased. With an average credit limit of about $2,000, HSN credit limits are average but skew towards the lower end.

However, getting a credit increase isn't very difficult. Once you've established your account and paid your bills on time for 2–3 months, call customer care at 1-877-285-4007 and ask for an increase.

Average Credit Card Limits Based on Credit Scores (2017)

Key Digital Services

The HSN website account takes the stress out of shopping with easy tracking and Express Checkout

The worst part about shopping is paying and then waiting for your item to arrive.

The HSN account eases some of the stress with an easy interface and the ability to save payment information.

Manage AutoShip and FlexPay. The HSN account allows customers to oversee their FlexPay payments and track when the next one is due.

This is a particularly useful feature because FlexPay payments can vary in length and size.

AutoShip, which will help refill shipments of items you regularly use, is also managed through the account.

Keep track of your orders. The most popular feature is order tracking. Because HSN is a mail-order retailer, it's important to customers that they can easily track their orders and monitor the shipping process.

Express Checkout saves time. Whether you're shopping for the app, online, or over the phone, your HSN account allows you to save time at checkout.

Input your information once and it will be securely stored forever. Shipping, paying, and billing has never been easier.

The card website is desktop and mobile friendly. Offered through Comenity Bank, the HSN credit card offers easy, intuitive online access.

After registering for the account, customers can access account information, view or print monthly statements, pay bills, edit contact information, sign up for paperless statements, and more.

Frequently Asked Questions (FAQ)

  • How do I pay the HSN card balance?

    Customers can pay their credit card online, over the phone (1-877-285-4007) or in the mail with the a check:

    Comenity Capital Bank

    P.O. Box 659707

    San Antonio, TX 78265

    Cardholders are responsible for paying the minimum payment each month, which is 5% of the balance shown on your statement for that credit plan.

  • How can I cancel my card?

    The quickest way to cancel your account is to call 877-285-4007. After the automated system answers, enter your 16-digit account number and then say "cancel account." You'll be transferred to a representative who will guide you through the process.

  • How do I contact a human?

    To speak to a representative as soon as possible, call 877-285-4007 and hit "1." After the automated system responds, press "0" and you'll be transferred to a representative.

  • Will I get free shipping if I use my card online?

    No, free shipping is not a perk of the card.

  • What can I use my credit card for?

    You can use your credit card for any purchase from HSN.

  • Where and what stores can I use my credit card?

    You can only use your credit card for purchases from HSN. It will not be accepted at any other stores.

  • How long does it to refund my credit card?

    Once the item is returned and received by HSN, the refund should appear on your account within 3 days.

  • What are the shopping benefits attached to the use of this card?

    Credit card holders get VIP financing (0% interest on items over $399 for 9–12 months) and ExtraFlex payment options that allow customers to split payments into 2–5 monthly charges at no extra cost.

  • How can I check my credit card balance?

    You can check your credit card balance from any mobile device or computer by logging into your HSN account.

  • Can I withdraw money from my credit card?

    No, you cannot withdraw money from your credit card.

  • Can I get a cash advance and are there any related fees?

    No, you cannot get a cash advance with the HSN credit card.

  • Can I pay for the credit card with a gift, a different credit card, or PayPal?

    No, the only way to pay your bill is with your checking account routing and account number.

  • Can I use my credit card without the card?

    Yes, as long as you have your 16-digit card number, expiration date and card security code (the three-digit number on the back of the card), you can pay online without your card.

    You can also save the card to your account and pay automatically.

  • How do I add an authorized user to the credit card?

    You can add an authorized user through your online account or by calling 877-285-4007.

  • Are there any upgrades on this credit card?

    No, there are not any upgrades.

  • How soon can I use my credit card once I receive it?

    Once you receive your credit card and activate it, you can start using it immediately.

  • How to contact the credit card services?

    To contact Customer Care for the HSN credit card, call 877-285-4007.

  • How to report stolen my credit card?

    If your credit card is stolen, immediately call HSN customer service at: 877-285-4007.

  • What credit score do I need to get approval for the card?

    In order to get approved, you need to have a fair credit score between 630 and 689.

  • What credit score do I have to maintain so my account is not closed?

    There is not a specific score you must maintain, but you do need to keep your account in good standing and monitor your credit score, because all banks including Comenity, have the right to close your account at any time.

  • Will my credit score drop if my account gets closed?

    If your account is in good standing and paid in full, closing your account will only temporarily impact your score (and it might not even affect it all).

  • Which credit bureaus does HSN credit card report to?

    Comenity is known to report to all three credit bureaus: TransUnion, Equifax, and Experian.

  • Can I build my credit with the HSN credit card?

    Yes, regular and timely payments will help build your credit score.

  • Is there an expiry date on the card?

    Yes, there is an expiration date on the front of your credit card.

  • Is there a credit insurance program and how will it cover me if I lose my job?

    Yes, Comenity Bank offers an insurance program called Account Assure for an additional fee.

    If job loss or another major life event occurs, Account Assure enables customers to postpone or alter credit card payments.

  • Can I have two credit cards from HSN at the same time?

    No, there is only one card offered by HSN.

  • Can I transfer money from my HSN credit card to another?

    No, you cannot.

  • Is it hard to get a HSN credit card?

    No, the HSN credit card is available to customers with fair credit scores (630 to 689) and above.

  • How long does it take to receive the card once I have been approved for it?

    Your card should arrive in the mail within one week.

  • Does HSN card cover rental car insurance?

    No, the HSN credit card does not cover rental car insurance.

If you love flexible payment plans and regularly shop at HSN, then the HSN credit card is useful to have in your wallet

The HSN credit card has limited offerings and the deferred interest plan that can backfire, but for super-dedicated HSN shoppers, the card offers flexible payment plans.

Do you have the HSN credit card?

Let us know if you love it (or hate it) in the comments below.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.