Earlier known as Hobby Lobby Creative Centers and later renamed to Hobby Lobby Stores, Inc., they are an American retail company, and just as the name suggests, they are one of the most popular destinations to buy supplies for arts, crafts, and a wide range of other hobbies.
The company was founded by David Green, who is a popular businessman, almost fifty years ago, in 1972. The company is at the top of its kind in the whole nation, with around 969 stores in almost 47 states in America.
Being such an actively growing and successful chain, the company faces major competition from dealers like Jo-Ann Stores and Michaels.
In order to keep the lead from the competition, Hobby Lobby offers many benefits for their costumes, and one of the most distinguishing benefits that they provide is the Hobby Lobby Credit Card, which comes with a huge list of benefits for their customers.
In this Hobby Lobby Credit Card review, we will go through the Hobby Lobby credit card login details, features, benefits, and drawbacks, among other things, to provide our readers with a better understanding of the card.
Hobby Lobby Credit Card Review – All You Need To Know
Hobby Lobby introduced their credit card with the objective of making the shopping experience for their customers much more convenient at their store. The card is said to be useful and convenient for people who often shop at Hobby Lobby, with guaranteed rewards or cash back with each purchase made using the card.
If you are a person who visits Hobby Lobby often, then you can earn 5 points per dollar that you spend at the shop. The card also comes with fraud protection in case it gets lost, and above all other benefits, the card also grants its user travel accident insurance. Read on to learn more about Hobby Lobby credit cards and their benefits.
What Is A Hobby Lobby Credit Card?
In order to provide their customers with an exclusive offer, Hobby Lobby introduced its own credit card, which comes with a special set of benefits and perks. The idea of a retailer providing their own credit card is usually done through a partnership with a bank.
Just like that, the Hobby Lobby credit card was put into use, and soon the card earned a good name among its users.
One of the main reasons for this was the card’s exciting discounts and other offers from time to time. Customers who used the card received reward points or cash back, not just on selected, but on all their purchases, which made shopping and thereby the Hobby Lobby credit card even more popular.
This means, the greater the shopping, the greater will be the rewards you receive. The Hobby Lobby credit card comes with different perks. For almost all credit cards, the interest rates are generally stated as a yearly rate. This rate is called the Annual Percentage Rate or ARP. As for the users of Hobby Lobby credit cards, the card does not require any introductory APR rate.
Benefits of Hobby Lobby Credit Cards
Credit cards are a great innovation in the field of banking, and even though they have a bad reputation among users, handling credit cards with responsibility will make them a very powerful and useful financial tool. Just like most credit cards, Hobby Lobby credit cards also come with different benefits and offers for their users. In this section of the Hobby Lobby Credit Card review, we will list out some of the top benefits offered by the Hobby Lobby Card.
One of the major advantages of the card is that it comes with a guaranteed reward or cashback at each and every purchase that you make with it. This means that if the range of shopping done with the card is great, then the expected return on the reward will also be great.
Not only this, but the card provides additional offers like the chance to win a $25 reward card with every 25,000 points on your account. Points will be added to the card based on the purchases made.
As for the points credited to the card, it is comparatively easy compared to most other cards in the market. Hobby Lobby credit card users will receive 5 points for every $1 spent at Hobby Lobby Stores. So, this means that if the amount paid at the store is excellent, then the reward points added to the card will also be large. These reward points will then help in acquiring additional gifts.
Above these offers, the holders of the Hobby Lobby credit cards also have the opportunity to earn 1,000 bonus points on their very first purchase using the card. The offers do not end here as the users also have a chance to earn 1 point each for every time they are used everywhere Visa is accepted.
Hobby Lobby Credit Card Login Page, URL
The Hobby Lobby credit card login will be the key to managing and monitoring the accounts of the customer. The Hobby Lobby credit card login will only be possible after the card has been approved and activated by the concerned authorities.
The login into the user account for the Hobby Lobby credit card requires some additional information, like a user ID and password. The user ID and the password will be created by the customer during the online process of card activation. Customers are expected to keep this information confidential, as it can be used for the benefit of the cardholder if it is accessible to anyone else.
In order to gain access to the Hobby Lobby credit card login, the customer needs to visit the Hobby Lobby homepage. Once the user is logged in, they can easily monitor and carry out the needed procedure through the account.
Logging in to the account also allows the user to make payments, have a detailed look at their bank statement, review past activities, and track down any unusual transactions in their account.
Pros And Cons of Hobby Lobby Credit Cards
As mentioned earlier in this Hobby Lobby Credit Card review, even though credit cards have a negative reputation, they can turn out to be a very powerful financial tool if they are used accordingly and with responsibility. Just like any other card, it also has its share of pros and cons.
Some of the major benefits of the card are
There Is No Annual Fee
Almost all of the credit cards available in the market today levy an annual fee from the user, which is a sum of money that the user is liable to pay to the credit card service provider. Depending on the card, annual fees can range from $90 to $500. While this annual fee can be seen as a major drawback for most of the cards, Hobby Lobby credit cards do not collect any amount in terms of annual fees from the users.
High Rewards Rate
One of the best things about credit cards is that they give you rewards every time you use them. As opposed to many credit cards in the market, Hobby Lobby credit cards guarantee to give their customers rewards, cashback, or any such offers almost all the time they make a purchase using their card.
Initial Point Reward Of 1,000
Reward points are gathered as the customer makes a purchase with their card. These reward points will also give them a chance at winning exciting prizes, cashback, and also offers. The Hobby Lobby credit card will give the customer a 1,000 point as a reward bonus on their initial purchase with the card.
Also Read: Famous Footwear Credit Card Review – Login
Even though the cards give their users some really good offers, the card also comes with some drawbacks. Some of the most notable cons of Hobby Lobby credit cards are;
Normally, foreign exchange fees are levied on the user when they make a payment or purchase using a foreign currency. Normally, these fees are charged by almost all major credit cards, and the foreign fees can range from about 1% to 3% of the total transaction.
Requires Excellent Credit Scores
A credit score is one of the most important factors for getting approval for a credit card. This score determines the creditworthiness of the customer. There are many criteria while calculating the credit score of a user. The score is somewhat of a prediction about the responsibility of the customer to pay back a financial loan to the bank. Higher the credit score for a credit card, it will be difficult for the user to get approved for the credit card.
Along with these disadvantages, the card also does not offer the customer an intro ARP on purchase and no ARP on balance transfer.
How To Apply For The Hobby Lobby Credit Card?
In order to apply for the Hobby Lobby credit card, follow the steps mentioned below.
- In order to apply for the Hobby Lobby credit card, you should meet some of the criteria listed by them, which are described in the coming sessions for you. If you meet all those criteria, then first you will need to create an account by visiting the Hobby Lobby website, where the option to create an account will be displayed.
- After creating your account through the Hobby Lobby credit card login page log in to your account. Once you are logged in, the webpage will have an ‘Apply Now’ button. Once you click that button, you will be redirected to the application page for the credit card. You will be required to enter the asked details on the new webpage.
- In the new webpage where you will have to enroll your personal details, multiple personal information will be needed to proceed with the application. The details needed in order to submit a request include name, date of birth, social security number, and also the country of citizenship. It will also ask for details like phone number and email address.
- The page will also demand your residential details like your housing address, city, state, and also their zip code.
- There is another section where you will be asked for your income and employment details. The page will ask for details regarding their job, employer status, the employer, and also the annual income of the applicant. You will also have to provide Other Income and also to select whether the account you use is a checking or savings account.
- You are free to choose ‘yes’ if you are ready for the balance transfer and then enter the total amount. You can press ‘yes’ if they wish to share any additional dates and the final step is to choose a card design of their preference.
- Review the request before submitting and then accept the Terms and conditions provided by the Rewards Visa. By clicking the submit button, you have officially submitted an application for the Hobby Lobby credit card. If the bank approves your request, you will be notified by the bank.
What Are My Chances Of Getting Approved?
Like most of the credit cards available in the market now, Hobby Lobby credit cards do not take such a long time to approve user requests. If you meet all of their criteria, you may receive approval immediately, or it may take up to 30 days. There are a few criteria that Hobby Lobby considers before approving your request for the credit card. Some of the criteria include;
- The applicant should clearly be a resident of the United States
- The applicant should also have a good credit score
- The applicant should also possess a government-approved ID card along with their photograph.
While most of the applicants can meet the first and last criteria, what might pose a challenge to most of the applicants is the requirement of a very good credit score. It is also possible for the applicant to check the status of their application by calling a toll-free number.
Hobby Lobby Credit Cards Customer Services And More
Looking further into the details of the card, the Hobby Lobby credit card is a good option for people who make regular purchases. The card is also reported to provide good customer service for its users.
Calling in at 1-800-888-0321 will get you to a customer care agent who will assist in your time of need.
Credit Card Payment Address
In order to make a payment using the card, you will have to sign in to your credit card account at the Hobby Lobby credit card login page using the credentials that were provided to you, like the user ID and the password. Once you are logged in, there will be a ‘payment’ button that will enable you to make the needed payment according to your needs.
The card also puts forward an additional offer of auto-debit which allows the credit company to collect the money from the bank directly. This will avoid the confusion and hassle for you in going through the bill and also will meet the criteria of making the payment on the deadline.
Hobby Lobby Credit Card Review – Conclusion
Different types of credit cards are available in the market now, and the Hobby Lobby credit card is one of the good credit cards that can be chosen without much doubt or confusion. Taking into account the rewards and other offers that come with the card, it is by far the best option. Even though the card does have a few cons, the pros seem to outweigh them by a very large margin.
If you are a user trying to choose a credit card for yourself, the Hobby Lobby credit card is a very wise and valuable choice that will definitely benefit you. If you are a customer who shops regularly at the Hobby Lobby store and is looking for a new card, then look no further.