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Menards Credit Card

Rewards336Reviews50Q&AContact

Excellent Credit, Good Credit, Fair Credit

Annual Fee

Rewards

Get a $10 rebate on the first $100 you spend on the card.

Earn 2% Rebate on Menards Purchases and 1% rebate on purchases made at Speedway, Holiday®, Kwik Trip® and Kwik Star® stores.

Plus, earn additional rebate savings on participating brands.

Rebates are issued four times a year, in the form of merchandise certificates with a $5 minimum, valid only at Menards® stores.

APR on Purchases

0% - 3.99% intro APR for 6 - 48 months, 25.24% (V) APR after that

Balance Transfer

Balance Transfers Not Allowed

Editor's Take

Menards Credit Card Pros & Cons

No membership fees

$10 initial rewards bonus

Bonus categories

Qualify with fair credit

High Regular APR

Menards Credit Card's Additional Info

cash advance fee

N/A

cash advance APR

N/A

foreign transaction fee

N/A

smart chip

Yes

max late fee

$40

max overlimit fee

max penalty APR

None

grace period

25 days

Apply Now

at Capital One's secure site

Deferred Interest: No interest if paid in full within 6 months on purchases of at least $299.

Equal Monthly Payment Financing: 3.99% APR for 48 months on purchases of at least $1,500.

Limited Time Offer - Equal Monthly Payments financing: 0% APR for 12 months on purchases over $599.

Choose between 2% Rebate or Special Financing for 6 or 48 months.

Manage your account, pay your bill online and receive email alerts about your account.

Apply Now

at Capital One's secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Menards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How do I apply for the Menards Credit Card?

Upvotes

Jamie Thompson, WalletHub Analyst

The easiest way you can apply for the Menards Credit Card is online. Alternatively, you can either apply at a Menards store, or at a Capital One branch.

Here's how to apply for the Menards Credit Card:

Online: To apply for the Menards Credit Card online, you'll need to provide your full name, email and postal addresses, phone number, date of birth, Social Security number, annual income, and other personal details to complete an application. After submitting a Menards credit card application online, you will be redirected to a response page within 60 seconds. If the response page says they need more time to review your application, you can later check the status of your application online.
At a Menards store: You can also apply for the Menards Credit Card in store. Find the one that is closest to you by using the Menards store locator.
At a Capital One branch: The Menards BIG Card is issued by Capital One, so can also submit an application in a Capital One branch. To locate the nearest branch, you can use this locator.

Once approved, you'll receive your Menards Credit Card in the mail within 7 to 10 business days.

How can I get a Menards Big Card cash advance?

Upvote

Felipe Rodriguez

The Menards Big Card is not enabled for cash advances.

What's the Menards credit card credit score requirement?

Upvotes

Warren Flace

Can you get approved for the Menards Credit Card after a bankruptcy?

Upvotes

WalletHub

Can you use it at Kwik Star to purchase cigarettes?

Upvotes

WalletHub

Yes, this credit card can be used to make any type of purchase at Kwik Star stores.

What are the Menards Credit Card's rewards?

Upvotes

Rhonda Stewart, WalletHub Loans Analyst

Can I use my Menards Credit Card anywhere?

Upvotes

WalletHub

View more answers

I went in and applied for the Big card and it said "Congratulations, your limit is $1,000". Is this for real? Or is there more behind it? Doesn't it check my credit?

Upvotes

WalletHub

Some credit card companies offer immediate approval decisions, where they determine if you meet certain credit history and income benchmarks. Those that do get approved.

When paying your Big card, can you specify which purchase you want to pay off first or does it go to the overall total?

Upvotes

Can I use my Menards card at an Art Van Furniture store?

Upvotes

WalletHub

No, unfortunately you can't use your Menards Card at Art Van Furniture. It can only be used at Menards, Speedway, Holiday, Kwik Trip and Kwik Star stores. Hope this helps.

Compare The Menards Credit Card

Menards Credit Card

Discover it® Cash Back

Discover it® chrome

(336)

(1,517)

(219)

Purchase Intro APR0% - 3.99% for 6 - 48 months

Purchase Intro APR0% for 15 months

Transfer Intro APRNot Offered

Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*

Regular APR25.24% (V)

Regular APR12.74% - 23.74% Variable

Rewards Rate1 - 2% Rebate

Rewards Rate1 - 5% Cash Back

Rewards Rate1 - 2% Cash Back

Menards Credit Card Reviews

Share your insights and review the Menards Credit Card

3.4

What's Your Rating?

Kevin
May 25, 2022 • @Kevin_vandenberg1964

Verified Customer

Excellent quality and excellent service. Rewards are excellent for the card and the store card rebates. Actual rewards can exceed 100.00 plus on one transaction

Comment

Beatrice
April 10, 2022 • @bairdbea3

Verified Customer

Working with these people is so easy.. if something happens, they are willing to work with a person, especially now during the economy as it is. Highly recommend them.

Comment

Pamela
February 24, 2022 • @christpamela48

Verified Customer

Very satisfied with my card and the customer service is excellent. Great rate. Would be better if I could get a raise in my credit.

Comment

Avery
January 11, 2022 • @averyweston46

Verified Customer

It's good when you pay your bills on time. I like i can pay all my bills online. The service is great when you called talk to a live person on the phone.

Comment

djb_lonewolf
December 18, 2021 • @djb_lonewolf

Verified Customer

A great opportunity to spread your payment over 6 months on purchases over $299. If you have a remodeling project that requires a long list of materials, this card really comes in handy.

Comment

Stan
November 3, 2021 • @standroid60

Verified Customer

The card is great but with an 800 credit score I would think that they would give a higher credit line than 1,000.00. I've had only 1 credit limit increase in all the years I've had my account, and I had been declined 5 times before that. My utilization is less than 2%

Comment

Mike Campbell
October 17, 2021 • @_ikecampbell212

They charge interest from date of purchase not by billing cycle like every other credit card I have owned. Charged excessive interest on a balance paid in full. Did not send a statement for the interest they charged and charged a late fee on a balance I didn’t realize I had since I paid in full.

Comment

junkmail1901
October 9, 2021 • @junkmail1901

The servicing of the Menards card via capital one is horrible. The website looks like a 4th grade class project and if you run a business they do not offer a way to download your transactions into financial software with their latest update. Only capital one could update their user experience and go backwards.

Comment

Margaret
October 7, 2021 • @finallyreadytogo

Verified Customer

Really wish they had a visa/ Mastercard option but they only have in store card. But I love the 11% off every month and they're easy cheaper than Lowers or Home Depot. I canceled my cards with both of them and kept Menards

Comment

gene
September 24, 2021 • @zweibarren

Verified Customer

This is a very good card to have for around-the-house improvements or unexpected disasters that pop-up. Delivery service is fine, but the processing fee is too high.

Comment

Review Menards Credit Card

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Menards Credit Card

Menards Credit Card

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

Menards Credit Card Pros & Cons

Menards Credit Card's Additional Info

Questions & Answers

Here's how to apply for the Menards Credit Card:

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