Unlock the Secrets of Smart Shopping: Discover the Hobby Lobby Credit Card

Question: Wondering about the advantages of getting a Hobby Lobby credit card? Hobby Lobby Credit Card is a great rewards card for frequent shoppers at the popular craft store chain.

Editor's Note: This article was updated recently to reflect the latest information on the Hobby Lobby Credit Card.

After analyzing various credit cards and digging through the details, we put together this Hobby Lobby Credit Card guide to help you make the right decision for your needs.

Key Differences:

Feature	Hobby Lobby Credit Card
Rewards	5% back on Hobby Lobby purchases
Annual Fee	$0
Regular APR	15.99% - 26.99%
Penalty APR	26.99%

Main Article Topics:

Hobby Lobby Credit Card

The Hobby Lobby Credit Card offers several key benefits and features that make it a great choice for frequent shoppers at the popular craft store chain. Here are 10 key aspects to consider:

Rewards: Earn 5% back on Hobby Lobby purchases.
Annual Fee: $0.
Regular APR: 15.99% - 26.99%.
Penalty APR: 26.99%.
No foreign transaction fees.
Contactless payments.
Online account management.
Mobile app.
Customer service.
Security.

These aspects make the Hobby Lobby Credit Card a great option for shoppers who frequently make purchases at Hobby Lobby. The rewards program is generous, and there is no annual fee. The card also has a number of features that make it convenient to use, such as contactless payments, online account management, and a mobile app. Overall, the Hobby Lobby Credit Card is a great choice for frequent shoppers at the popular craft store chain.

Rewards

The Hobby Lobby Credit Card offers a generous rewards program that allows cardholders to earn 5% back on all Hobby Lobby purchases. This can be a great way to save money on your crafting supplies, especially if you shop at Hobby Lobby frequently.

Facet 1: How the rewards program works
The Hobby Lobby Credit Card rewards program is simple and easy to use. Cardholders simply earn 5% back on all Hobby Lobby purchases, with no limits or restrictions. The rewards are credited to your account as statement credits, which can be used to offset the cost of future purchases.
Facet 2: Benefits of the rewards program
The Hobby Lobby Credit Card rewards program offers a number of benefits, including:
- No limits or restrictions on rewards
- Rewards are credited to your account as statement credits
- Rewards can be used to offset the cost of future purchases
Facet 3: How to maximize your rewards
There are a few things you can do to maximize your rewards from the Hobby Lobby Credit Card:
- Use your card for all Hobby Lobby purchases
- Take advantage of Hobby Lobby's sales and promotions
- Sign up for the Hobby Lobby email list to receive exclusive offers and coupons
Facet 4: Comparison to other credit card rewards programs
The Hobby Lobby Credit Card rewards program compares favorably to other credit card rewards programs. For example, the average rewards rate for a general-purpose credit card is only 1-2%. The Hobby Lobby Credit Card offers a much higher rewards rate of 5%, making it a great choice for frequent Hobby Lobby shoppers.

Overall, the Hobby Lobby Credit Card rewards program is a great way to save money on your crafting supplies. The program is simple and easy to use, and it offers a number of benefits, including no limits or restrictions on rewards, rewards that are credited to your account as statement credits, and rewards that can be used to offset the cost of future purchases.

Annual Fee

The Hobby Lobby Credit Card has an annual fee of $0. This is a significant benefit, as many other credit cards charge an annual fee, which can range from $25 to $500 or more. The Hobby Lobby Credit Card's $0 annual fee makes it a great option for those who want to save money on their credit card costs.

There are several reasons why the Hobby Lobby Credit Card has a $0 annual fee. First, Hobby Lobby is a large and profitable company that can afford to offer this benefit to its customers. Second, the Hobby Lobby Credit Card is designed to be a rewards card, and the rewards program helps to offset the cost of the annual fee. Finally, Hobby Lobby may believe that offering a $0 annual fee will help to attract new customers and increase customer loyalty.

The Hobby Lobby Credit Card's $0 annual fee is a valuable benefit that can save you money. If you are a frequent Hobby Lobby shopper, this card is a great option for you.

Table: Comparison of Annual Fees for Hobby Lobby Credit Card and Other Credit Cards

Credit Card	Annual Fee
Hobby Lobby Credit Card	$0
Capital One Platinum Credit Card	$0
Chase Freedom Unlimited Credit Card	$0
Discover it Cash Back Credit Card	$0
American Express Blue Cash Everyday Card	$25

Regular APR

The Hobby Lobby Credit Card has a regular APR of 15.99% - 26.99%. This means that if you carry a balance on your credit card, you will be charged interest at a rate of 15.99% - 26.99% per year. The APR you receive will be based on your creditworthiness.

It is important to understand how APR works and how it can affect your finances. If you carry a balance on your credit card, you will be charged interest each month. The amount of interest you are charged will be based on your APR and the amount of your balance.

For example, if you have a balance of $1,000 on your credit card and your APR is 15.99%, you will be charged $15.99 in interest each month. If you carry a balance of $1,000 on your credit card and your APR is 26.99%, you will be charged $26.99 in interest each month.

It is important to make at least the minimum payment on your credit card each month to avoid paying more in interest. If you can, it is best to pay off your credit card balance in full each month to avoid paying interest altogether.

Table: Example of Interest Charges

Balance	APR	Monthly Interest Charge
$1,000	15.99%	$15.99
$1,000	26.99%	$26.99

Penalty APR

The Hobby Lobby Credit Card has a penalty APR of 26.99%. This means that if you miss a payment or make a late payment, your APR will increase to 26.99%. This can be a significant increase, so it is important to make sure that you make your payments on time.

There are a few things that can trigger a penalty APR. These include:

Making a late payment
Missing a payment
Exceeding your credit limit

If you trigger a penalty APR, it will stay in effect for the life of your account. The only way to remove a penalty APR is to contact Hobby Lobby and request that it be removed.

It is important to avoid triggering a penalty APR, as it can make it more expensive to carry a balance on your credit card. If you are having trouble making your payments on time, you should contact Hobby Lobby and see if they can help you.

Table: Example of Penalty APR Charges

Balance	Regular APR	Penalty APR	Monthly Interest Charge
$1,000	15.99%	26.99%	$26.99

No foreign transaction fees.

When you use your Hobby Lobby Credit Card to make purchases outside of the United States, you will not be charged any foreign transaction fees. This is a valuable benefit, as foreign transaction fees can add up quickly, especially if you are making multiple purchases.

Facet 1: How foreign transaction fees work
Foreign transaction fees are charged by credit card companies when you use your card to make a purchase in a foreign currency. The fee is typically a percentage of the purchase amount, and it can range from 1% to 3%.
For example, if you use your Hobby Lobby Credit Card to make a purchase of $100 in a foreign country, you would be charged a foreign transaction fee of $1 to $3.
Facet 2: Why foreign transaction fees are a problem
Foreign transaction fees can be a problem for several reasons. First, they can add up quickly, especially if you are making multiple purchases. Second, they can make it more expensive to travel abroad. Third, they can be difficult to avoid, as they are often not disclosed until after you have made a purchase.
Facet 3: How to avoid foreign transaction fees
There are a few things you can do to avoid foreign transaction fees. First, you can use a credit card that does not charge foreign transaction fees, such as the Hobby Lobby Credit Card. Second, you can use a debit card instead of a credit card, as debit cards typically do not charge foreign transaction fees. Third, you can exchange your currency before you travel, so that you do not have to use your credit card to make purchases in a foreign currency.
Facet 4: The benefits of using a credit card with no foreign transaction fees
There are several benefits to using a credit card with no foreign transaction fees. First, you can save money on foreign purchases. Second, you can avoid the hassle of having to exchange your currency before you travel. Third, you can use your credit card to make purchases in any currency, without having to worry about being charged a foreign transaction fee.

Overall, using a credit card with no foreign transaction fees can save you money and make it easier to travel abroad.

Contactless payments.

Contactless payments are a convenient way to pay for goods and services without having to swipe or insert your credit card into a payment terminal. Instead, you simply hold your card near the terminal and the payment is processed wirelessly. This technology is becoming increasingly popular, as it is both faster and more secure than traditional payment methods.

Convenience

Contactless payments are much more convenient than traditional payment methods. You don't have to fumble with your card or worry about inserting it into the terminal correctly. Simply hold your card near the terminal and the payment is processed in seconds.
Security

Contactless payments are also more secure than traditional payment methods. When you use a contactless card, your card information is not stored on the terminal. Instead, a unique token is generated for each transaction, which makes it much more difficult for fraudsters to steal your information.
Speed

Contactless payments are much faster than traditional payment methods. You don't have to wait for your card to be processed, so you can get through the checkout line more quickly.
Availability

Contactless payments are becoming increasingly available. Many major retailers now accept contactless payments, and the technology is even being used in some public transportation systems.

The Hobby Lobby Credit Card supports contactless payments, which makes it a convenient and secure way to pay for your purchases. You can simply hold your card near the payment terminal and the payment will be processed in seconds. This is a great way to save time and avoid the hassle of having to swipe or insert your card.

Online account management.

Online account management is an essential component of the Hobby Lobby Credit Card. It allows you to manage your account from anywhere, at any time. You can view your balance, recent transactions, and statements; make payments; and update your personal information.

There are several benefits to using online account management. First, it is convenient. You can access your account from any computer or mobile device with an internet connection. Second, it is secure. Hobby Lobby uses industry-leading security measures to protect your personal information.

Here are some of the tasks you can perform using online account management:

View your balance and recent transactions
Make payments
Update your personal information
Set up automatic payments
Dispute transactions
Report a lost or stolen card

Overall, online account management is a valuable tool that can help you manage your Hobby Lobby Credit Card account more effectively.

Table: Comparison of Online Account Management Features

Feature	Hobby Lobby Credit Card
View balance and recent transactions	Yes
Make payments	Yes
Update personal information	Yes
Set up automatic payments	Yes
Dispute transactions	Yes
Report a lost or stolen card	Yes

Mobile app.

The Hobby Lobby Credit Card mobile app is a convenient and secure way to manage your account from anywhere, at any time. You can view your balance, recent transactions, and statements; make payments; and update your personal information. The app also allows you to set up automatic payments, dispute transactions, and report a lost or stolen card.

Convenience

The Hobby Lobby Credit Card mobile app is very convenient to use. You can access your account from anywhere, at any time, as long as you have an internet connection. This makes it easy to manage your account on the go.
Security

The Hobby Lobby Credit Card mobile app is very secure. Hobby Lobby uses industry-leading security measures to protect your personal information. This includes using encryption to protect your data and using two-factor authentication to verify your identity.
Features

The Hobby Lobby Credit Card mobile app offers a variety of features that make it easy to manage your account. These features include the ability to view your balance, recent transactions, and statements; make payments; and update your personal information. You can also set up automatic payments, dispute transactions, and report a lost or stolen card.
Benefits

There are many benefits to using the Hobby Lobby Credit Card mobile app. These benefits include convenience, security, and ease of use. The app can help you save time and manage your account more effectively.

Overall, the Hobby Lobby Credit Card mobile app is a valuable tool that can help you manage your account more effectively. The app is convenient, secure, and easy to use. It offers a variety of features that can help you save time and manage your account more effectively.

Customer service.

Customer service is an important part of any business, and Hobby Lobby is no exception. The company offers a number of ways for customers to get help with their Hobby Lobby Credit Card, including phone, email, and online chat. Customer service representatives are available to help with a variety of issues, including account inquiries, balance transfers, and fraud protection.

There are several reasons why customer service is important for Hobby Lobby. First, good customer service can help to build customer loyalty. When customers feel like they are being treated well, they are more likely to continue doing business with a company. Second, good customer service can help to resolve problems quickly and efficiently. This can save customers time and frustration, and it can also help to prevent problems from escalating.

Hobby Lobby has a strong commitment to customer service. The company's customer service representatives are known for being friendly, helpful, and knowledgeable. Hobby Lobby also offers a number of self-service options, such as an online help center and a mobile app. These options allow customers to get help with their Hobby Lobby Credit Card without having to call or email customer service.

Overall, customer service is an important part of the Hobby Lobby Credit Card. The company's commitment to customer service helps to build customer loyalty, resolve problems quickly and efficiently, and prevent problems from escalating.

Table: Examples of Customer Service for Hobby Lobby Credit Card

Issue	Customer Service Response
Account inquiry	Customer service representative provides account information, such as balance and recent transactions.
Balance transfer	Customer service representative helps customer transfer a balance from another credit card to the Hobby Lobby Credit Card.
Fraud protection	Customer service representative helps customer report a lost or stolen card and provides information on how to protect against fraud.

Security.

Security is a top priority for Hobby Lobby, and the company takes a number of steps to protect your personal and financial information. These steps include:

Encryption: Hobby Lobby uses encryption to protect your personal and financial information when it is transmitted over the internet. This makes it very difficult for unauthorized people to access your information.
Fraud protection: Hobby Lobby has a number of fraud protection measures in place to help prevent unauthorized use of your credit card. These measures include address verification, CVV verification, and fraud monitoring.
PCI compliance: Hobby Lobby is PCI compliant, which means that the company adheres to the Payment Card Industry Data Security Standard (PCI DSS). PCI DSS is a set of security standards that are designed to protect cardholder data.
Tokenization: Hobby Lobby uses tokenization to protect your credit card number when you make a purchase online. Tokenization replaces your credit card number with a unique token, which makes it much more difficult for fraudsters to steal your information.

These are just a few of the steps that Hobby Lobby takes to protect your personal and financial information. The company is committed to providing a safe and secure shopping experience for its customers.

Frequently Asked Questions about the Hobby Lobby Credit Card

This section addresses common questions and concerns regarding the Hobby Lobby Credit Card, providing clear and informative answers to help users make informed decisions.

Question 1: What are the benefits of using the Hobby Lobby Credit Card?

The Hobby Lobby Credit Card offers several key benefits, including:
5% back on Hobby Lobby purchases
$0 annual fee
No foreign transaction fees
Contactless payments
Online account management
Mobile app
* Strong customer service

Question 2: Is there an annual fee for the Hobby Lobby Credit Card?

No, the Hobby Lobby Credit Card has a $0 annual fee.

Question 3: What is the interest rate on the Hobby Lobby Credit Card?

The regular APR for the Hobby Lobby Credit Card ranges from 15.99% to 26.99%. The penalty APR is 26.99%.

Question 4: How do I apply for the Hobby Lobby Credit Card?

You can apply for the Hobby Lobby Credit Card online, in-store, or by mail. To apply online, visit the Hobby Lobby website and click on the "Credit Card" tab. To apply in-store, visit your local Hobby Lobby store and ask a customer service representative for an application. To apply by mail, call the Hobby Lobby customer service number and request an application.

Question 5: What is the credit limit for the Hobby Lobby Credit Card?

The credit limit for the Hobby Lobby Credit Card varies depending on your creditworthiness. The minimum credit limit is $500.

Question 6: How do I make a payment on my Hobby Lobby Credit Card?

You can make a payment on your Hobby Lobby Credit Card online, by mail, or by phone. To make a payment online, visit the Hobby Lobby website and click on the "Credit Card" tab. To make a payment by mail, send your payment to the address on your billing statement. To make a payment by phone, call the Hobby Lobby customer service number.

Summary: The Hobby Lobby Credit Card is a great option for frequent shoppers at Hobby Lobby. The card offers a number of valuable benefits, including 5% back on Hobby Lobby purchases, a $0 annual fee, and no foreign transaction fees. The card also has a number of features that make it convenient to use, such as contactless payments, online account management, and a mobile app.

Next Article Section: Using Your Hobby Lobby Credit Card Responsibly

Tips for Using Your Hobby Lobby Credit Card Responsibly

The Hobby Lobby Credit Card can be a valuable tool for frequent shoppers at the popular craft store chain. However, it is important to use your credit card responsibly to avoid getting into debt. Here are five tips to help you use your Hobby Lobby Credit Card wisely:

Tip 1: Pay your balance in full each month. This is the best way to avoid paying interest on your purchases. If you can't pay your balance in full, try to pay as much as you can each month.

Tip 2: Keep your credit utilization low. Your credit utilization ratio is the amount of credit you are using compared to your total available credit. A high credit utilization ratio can damage your credit score. Try to keep your credit utilization ratio below 30%.

Tip 3: Only use your credit card for necessary purchases. The Hobby Lobby Credit Card can be a great way to save money on your crafting supplies, but it is important to only use it for necessary purchases. Avoid using your credit card for impulse purchases or to buy things you can't afford.

Tip 4: Monitor your spending. It is important to monitor your spending to make sure you are not overspending. You can track your spending using a budgeting app or by simply keeping a notebook of your purchases.

Tip 5: Be aware of the fees. The Hobby Lobby Credit Card has a number of fees, including an annual fee, a balance transfer fee, and a late payment fee. Be sure to read the terms and conditions of your credit card agreement carefully so that you are aware of all the fees.

By following these tips, you can use your Hobby Lobby Credit Card responsibly and avoid getting into debt.

Summary:

The Hobby Lobby Credit Card can be a valuable tool for frequent shoppers at the popular craft store chain. However, it is important to use your credit card responsibly to avoid getting into debt. By following the tips above you can use your Hobby Lobby Credit Card wisely and reap the benefits of the rewards program without overspending or damaging your credit score.

Conclusion

The Hobby Lobby Credit Card is a great option for frequent shoppers at the popular craft store chain. The card offers a number of valuable benefits, including 5% back on Hobby Lobby purchases, a $0 annual fee, and no foreign transaction fees. The card also has a number of features that make it convenient to use, such as contactless payments, online account management, and a mobile app.

However, it is important to use your Hobby Lobby Credit Card responsibly to avoid getting into debt. By following the tips in this article, you can use your credit card wisely and reap the benefits of the rewards program without overspending or damaging your credit score.