Hobby Lobby does not have a branded credit card
Hobby Lobby does not issue a store credit card or co-branded card with any bank. The company accepts major credit cards — Visa, Mastercard, American Express, and Discover — both in stores and online, but does not offer a card that earns rewards on Hobby Lobby purchases or provides store-specific benefits.
If you shop at Hobby Lobby regularly and want to earn rewards, you will need to use a general-purpose rewards card you already have or open elsewhere. The structure of Hobby Lobby's payment system is simpler than many large retailers: they take standard cards and run a basic loyalty program through their mobile app instead of a credit product.
Key Takeaways
- Hobby Lobby accepts Visa, Mastercard, American Express, and Discover but does not issue its own credit card.
- The Hobby Lobby mobile app offers a separate loyalty program with digital coupons and sales notifications, but it is not a credit card.
- You can earn rewards on Hobby Lobby purchases using a general cash-back or rewards card from your bank or a card issuer.
- Hobby Lobby does not offer store financing or a payment plan card for large purchases.
How Hobby Lobby's loyalty program works instead
Hobby Lobby runs a free mobile app-based loyalty program that functions separately from any credit card. When you download the Hobby Lobby app and create an account, you can view weekly sales, access digital coupons, and receive notifications about deals. The program does not require a credit card to join and does not extend credit.
The app is the main way Hobby Lobby communicates promotions to regular shoppers. Coupons are typically good for a percentage off your entire purchase or a discount on a specific category. You show the coupon on your phone at checkout, and it applies to your transaction regardless of which payment method you use.
Which rewards cards work best for Hobby Lobby shopping
Since Hobby Lobby accepts all major credit cards, you can use any rewards card you own. A general cash-back card will earn you a flat percentage on every purchase — typically 1 to 2 percent. If you have a card that earns higher rewards in specific categories like shopping or retail, that rate applies at Hobby Lobby as well.
Some cards earn bonus categories at department stores or general merchandise retailers. Check your card's terms to see whether Hobby Lobby falls into a bonus category for your card. If you do not yet have a rewards card, opening one before you shop regularly at Hobby Lobby means you will earn rewards on every transaction going forward.
The combination of a rewards card plus the Hobby Lobby app coupons gives you the most value: you earn cash back or points on your purchase and also receive the discount from the app coupon at checkout.
Why Hobby Lobby does not offer store financing
Many large retailers offer store credit cards partly to provide financing options for big purchases — furniture, appliances, or seasonal inventory. Hobby Lobby's product mix is different. Most items are under $50, and the company does not sell high-ticket goods that typically require payment plans.
Because Hobby Lobby's average transaction is smaller and the company focuses on craft supplies, home décor, and seasonal items rather than major appliances or furniture, a financing card would not serve the same purpose it does at other retailers. The company has chosen to keep payment simple and rely on the app for customer engagement instead.
Paying online and in-store at Hobby Lobby
Hobby Lobby's website accepts the same major cards as its physical stores: Visa, Mastercard, American Express, and Discover. You can also pay with PayPal online. In stores, you can pay with a credit card, debit card, or cash.
When you check out online, you enter your card information directly into Hobby Lobby's payment system. The company does not require you to create a separate account to make a purchase, though creating one lets you save addresses and view your order history. Your rewards card earns points or cash back on online purchases the same way it does in-store.
Comparing Hobby Lobby to retailers with store cards
Some craft and home goods retailers — like Michaels — do offer store credit cards with rewards programs. These cards typically earn points on purchases that you can redeem for discounts. However, store cards often come with higher interest rates than general-purpose cards and may encourage overspending.
Hobby Lobby's approach of accepting all major cards and running a free app-based loyalty program means you have more flexibility. You can use whichever card gives you the best rewards rate, and you are not locked into a single issuer's terms. If you already have a rewards card with a bank you trust, you can use it at Hobby Lobby without opening a new account or managing another credit line.
Frequently Asked Questions
Can I use a Hobby Lobby gift card to pay for my purchase?
Yes. Hobby Lobby gift cards can be used in stores and online. You can combine a gift card with a credit card payment if your purchase exceeds the gift card balance. Gift cards do not earn rewards on their own, but any credit card you use to cover the remaining balance will earn rewards as usual.
Does Hobby Lobby offer a discount for paying with cash?
No. Hobby Lobby does not offer a cash discount or any incentive to pay with cash instead of a card. Your best value comes from using a rewards card and the app coupons together, regardless of payment method.
What happens if I use a debit card at Hobby Lobby?
Debit cards work the same way as credit cards at Hobby Lobby checkout. The transaction processes immediately from your bank account. However, debit cards typically do not earn rewards, so you miss out on cash back or points that a rewards credit card would provide.
Can I return items I bought with a credit card?
Yes. Hobby Lobby accepts returns within 30 days with a receipt. The refund goes back to the original payment method — if you paid with a credit card, the refund appears as a credit to that card. Any rewards you earned on the original purchase are usually not reversed, though this depends on your card issuer's policy.