Hobby Lobby does not have a branded credit card
Hobby Lobby does not issue its own credit card or store card. You cannot open a Hobby Lobby-branded account with any bank or credit issuer. When you shop at Hobby Lobby stores or online, you pay with a standard credit card, debit card, gift card, or cash — the same payment methods you would use at any other retailer.
This is different from stores like Target, Lowe's, or Amazon, which offer their own cards with rewards tied to purchases at those stores. Hobby Lobby has chosen not to create that option, so there is no special financing, cashback, or loyalty card connected to a Hobby Lobby account.
Key Takeaways
- Hobby Lobby does not offer a store credit card or branded card of any kind.
- You can pay with any major credit card, debit card, Hobby Lobby gift card, or cash at checkout.
- Hobby Lobby does run periodic sales and discounts, but these are not tied to a card and are available to all customers.
- If you want rewards on craft and hobby purchases, you would need to use a general cashback credit card from your own bank.
What payment methods Hobby Lobby accepts
At Hobby Lobby stores, you can pay with Visa, Mastercard, American Express, Discover, debit cards, and cash. The store also accepts Hobby Lobby gift cards, which you can purchase in-store or online and use for future shopping. Online orders can be paid with the same credit and debit cards, plus PayPal.
If you want to earn rewards on your Hobby Lobby purchases, you would use a cashback or rewards credit card from your own bank or credit union. A general-purpose card that earns 1% to 2% back on all purchases, or a card that earns higher rewards on shopping categories, would be your best option.
Why Hobby Lobby does not offer a store card
Many large retailers issue their own cards to build customer loyalty and collect data on shopping habits. Hobby Lobby has not pursued this model. The company may have decided that the cost of managing a credit program and the risk of extending credit to customers did not align with its business strategy, or that its customer base did not demand it.
Without a store card, Hobby Lobby avoids the expense of underwriting credit applications, managing accounts, and handling defaults. The trade-off is that the store does not capture the same level of customer data or create the same financial incentive for repeat visits that a branded card would provide.
How to save money at Hobby Lobby without a card
Hobby Lobby runs regular sales and promotions that are available to all customers, regardless of payment method. The store publishes weekly ads with discounts on specific items, and these deals explore whether you pay with cash, a credit card, or a gift card. You can find current sales on the Hobby Lobby website or by picking up a printed ad in-store.
The Hobby Lobby mobile app also shows current deals and allows you to browse inventory before you shop. Signing up for the store's email list will send you notifications about upcoming sales and special offers. These discounts are not exclusive to cardholders — they are open to anyone who shops at the store.
Using a general rewards card at Hobby Lobby
If you want to earn rewards on your Hobby Lobby purchases, choose a credit card that earns cashback or points on all purchases or on shopping categories. A flat-rate cashback card (1% to 2% back on everything) works well if you shop at many different stores. A card that earns higher rewards on shopping or retail purchases would give you more value if Hobby Lobby is a frequent destination.
Pay attention to the card's annual fee, if any, and whether the rewards rate justifies the cost. A card with no annual fee and 1.5% cashback on all purchases is often better than a card with a $95 annual fee that earns 2% back, unless you spend enough to offset the fee. Check your card's terms to confirm that Hobby Lobby purchases count toward the stated rewards category.
Hobby Lobby gift cards as an alternative
Hobby Lobby gift cards function like a prepaid card but do not build credit history or earn rewards. You can buy them in-store or online in amounts ranging from $5 to $500. They do not expire and can be used for in-store or online purchases. If you receive a gift card as a present, you can use it just like cash at checkout.
Gift cards are useful if someone wants to give you a present specifically for Hobby Lobby, but they do not offer the same benefits as a rewards credit card. You do not earn points, cashback, or purchase protection, and you cannot build credit by using them. They are straightforward a way to prepay for future purchases.
Frequently Asked Questions
Can I finance a large purchase at Hobby Lobby?
Hobby Lobby does not offer in-store financing or a payment plan through its own card. If you need to finance a purchase, you would use a credit card from your bank or a third-party financing service like Affirm or Klarna, if the store accepts them. Check with your local Hobby Lobby to see whether third-party payment plans are available.
Does Hobby Lobby accept PayPal or other digital wallets?
PayPal is accepted for online orders on the Hobby Lobby website. In-store, you can use major credit cards, debit cards, and cash. Contact your local store to confirm whether they accept Apple Pay, Google Pay, or other digital wallet services, as this may vary by location.
What should I do if I want a card that rewards craft purchases?
Look for a cashback credit card that earns rewards on all purchases or on shopping and retail categories. Compare cards from your bank, credit union, or major issuers like Chase, American Express, or Capital One. A card with no annual fee and 1.5% to 2% cashback will give you rewards on every Hobby Lobby purchase without tying you to a single store.
Can I use a Hobby Lobby gift card to pay with a credit card?
No. A gift card is a prepaid balance, not a credit card. You cannot charge purchases to a gift card or use it to build credit. You can only spend the balance that is loaded on the card. Once the balance is used, the card is empty unless you reload it with additional funds.