Yes, you can get both the rebate rewards and the special financing plan offered by your Menards Credit Card.
However, the Menards Credit Card lets you choose what sort of rebate rewards you would like to get from your card. By choosing to get both a special financing plan and the rebate rewards, the card will give you 1% Rebate rebate on certain locations.
Alternatively, you can give up the special financing altogether. In this case, the Menards Credit Card will also give you 2% Rebate rebate on all Menards purchases.
Here are the choices offered by your Menards Credit Card:
2% Rebate rebate: With the Menards Credit Card, you can get a 2% Rebate rebate on all Menards purchases. Rebates are issued as Menards merchandise certificates which can be used for future purchases.
Special financing for 6 or 48 months: Alternatively, you can choose to make use of the card’s special financing offers: Deferred interest. No interest if paid in full within 6 months on purchases of at least $299. If you haven’t paid off the whole amount in full by the end of the promotional period, the regular APR (29.24% (V)) will retroactively apply to your entire original purchase amount. Equal Monthly Payment Financing. You get a 3.99% APR for 48 months on purchases of at least $1,500.
1% Rebate rebate: In either case, all cardholders get 1% Rebate rebate on purchases made at Speedway, Holiday, Kwik Trip and Kwik Star stores.
No, you cannot use your Menards Credit Card everywhere. This card can only be used at Menards and its partners. Participating stores and gas stations include Speedway, Holiday, Kwik Trip, Kwik Star.
The Menards Credit Card is still a great option as it offers $10 rebate on the first $100 you spend. Plus, you can earn 2% rebate on Menards purchases, and 1% rebate on purchases made at participating partners and brands.
If you’re looking for a similar credit card that can be used anywhere, you should consider applying for the Walmart Credit Card. This card is on the Mastercard network, so it can be used virtually anywhere credit cards are accepted. Plus, it offers 5% cash back in Walmart stores using Walmart Pay for the first 12 months, 5% back on Walmart.com purchases, 2% back at Walmart stores and fuel stations, 2% back on restaurant and travel purchases, and 1% back on all other purchases.
The Menards Credit Card credit score requirement is 640+. That means you need at least fair credit to have a decent shot of approval. So, make sure you know where you stand before applying.
Apart from your credit score, the issuer also takes into consideration your overall financial picture, including your income and existing debt obligations. Your credit score can therefore only be used as a guideline.... read full answer
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