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.

We thought this was a handy deal. The rate is on the high side, but most store cards are. This was an opportunity to get more cash back from our purchases at Menards as it is a 2% rebate card which is issued quarterly. At least it's supposed to be. We've had the card for over a year. We didn't use it for a while as our local Menards store was in the process of being built and then the pandemic hit. We started doing things around the house this past spring and got the rewards up to a little over $23. It was showing in the account in June, but supposedly was redeemed on 7/1. We called the customer service number and got conflicting stories. I don't think that Capital One even knew the difference of the 11% rebates received off of purchases made in the store, but had to be sent in to Menards which didn't require the card being used and is processed through Menards. And actually getting a rebate from Capital One for 2% of any purchases when their card was used. That is something that is automatic and doesn't need sent in and is through Capital One. It's issued every quarter as long as it's over $5. There is debate as whether it's applied to your Capital One account or towards Menards Merchandise. The CSR first stated we were in Menards on 7/1. We were not. Supposedly redeemed there. Then all of a sudden it's been applied to our credit account. I was looking right at it during the conversation, and I can tell you it was not. So I've paid all I've owed on this account and waiting for the statement cutoff to see if we do indeed get either. I doubt the rebate via merchandise. It's been 10 days. Nothing in the mail. If not on the account, I stand by my review and will close the account. That's called fraud. Lying. Misrepresentation. And complete stupidity. Honestly, you offer a card you know nothing about. SMDH

We had the card probably 7 months prior to our local store opening. We didn't use it when the store had just opened due to the pandemic. We've learned we really like Menards including their card. 11% rebates on purchases in the store. You use the card, and you get quarterly 2% money back. There is none better. The interest isn't the lowest, but they aren't the highest.

Great card. Customer service is great as well. Best card to have when you own a home for those unexpected repairs. And you can buy other items at Menard.

Less than 1 would be preferable. This is a terrible credit card. I like Menards and prefer to shop there over other home stores, but this credit card is getting closed. My advice, shop Menards but use a different card. I pay all of my bills on time, every month. However, I have on three occasions had late fees applied to my account when I clearly paid before the due date. When I call to fight it they won't help me and tell me it was processed after the due date. This is the only credit card that does this, so I would say it must be a problem with this company.

Terrible card.. and service. When I recieved my statment I had a late charge applied that wasnt justifed. I called to have this waived, they rude and did not help me at all. Mind you I have an excellent credit score and a very good history of paying off my cards. The late fee was a small amount of only $30. They just lost a good costomer.

During the current Pandemic, Capital One ( Menards big card credit ) has offered deferred payments. Be aware however that Capital One is charging a "late fee" and "on going compounded accumulated interest" on the outstanding debt ! Be advised, as I wasn't. and remember this when Capital One looks for their next taxpayer bailout .

I've been a Menards customer for over a decade. I originally got my Menards Big card around August of 2010. I've been faithful to the company as I believe that it's prices, selection, and values have been top notch. I recently visited my home store. After loading up on supplies, I was rung up by a kind and courteous employee. When I attempted to use my Menards card, it was promptly declined. My wife attempted to use hers, and she was also declined. I wanted to use the 0% interest offer and was unable to do so.

I don't live near my Menards, so my options were to walk away from my purchase, or put it on one of my other Capital One credit cards. I didn't feel like making another trip so I charged it and walked out w/ my purchase.

Today I called the customer service line for my Menards Big card. They let me know that there had been a data breach of card numbers and a number of the accounts were frozen. I understand that these things happen, but the data breaches were associated with gas station purchases (according to the customer service rep). I don't buy gas w/ my Menards Big card. What I absolutely don't understand is how I was never notified about the breach and freezing of my account. A simple email or automated phone call would have worked wonders. If I would have known that, I never would have made the trip and I would have waited for another day to make the trip and make my purchase. Captial One dropped the ball here.

I requested that my balance from my other Capital One card be transferred to my Menards card. The Menards Big Card Customer support let me know that this was not possible. I then contacted Capital One directly for my other card, and was told the same. When asked what they would do to make this right, I was told nothing. So instead of paying off my account for 6 months interest free, I'm stuck with paying it all off at once, or spreading it out and paying interest on the principal. My only option from Capital One was to take the purchase back to the store, return it, then purchase it again w/ a new Menards Big card acct number in order to get the purchase onto my Menards Big card. Not happening.

Capital One is playing a really bad game of not taking the blame and not wanting to own up to their problem. I expected great customer service, and I was given excuses. They even tried to place some of the blame on the Menards store that I was at. The same store that has great employees, clean facilities (seriously every Menards store I've ever been to), and customer service that kept me coming back for over a decade. I promptly cancelled my Menards Big card and my other Capital One card. I can charge my purchases elsewhere.