Read this Menards credit card review and discover the pros and cons of this credit card from Capital One Bank. In particular, check the Menards BIG card’s rewards and benefits, fees, interest rate, and recommended credit score. Additionally, you may find out how to apply for this store card or how to make login & payment. At the end, you can leave your own reviews about this credit card.
Menards Credit Card Review
Purchase APR: 26.49% variable
Recommended credit score: from 620 to 850
Who may get this credit card: customers who oftentimes make purchases at Menards
Credit card features:
- Earn 2% rebate on purchases at Menards.com and Menards stores
- Receive 1% rebate on purchases Speedway, Kwik Trip, Kwik Star, and Holiday
- Receive 1% rebate on select brands (check their list in the review below)
- Enjoy 6-month interest free financing for purchases of $299 or more
- Take advantage of the 48-month promotional financing on purchases of more than $1,500
Actually, Menards offers three credit cards: Menards BIG card, Menards Contractor card, and Menards Commercial Account. So, since the Menards BIG store card is aimed exactly at the ordinary customers, we will review exactly this credit card. So, you can find out exact details about this card in the Menards credit card review below.
First of all, one has to say that this is an ordinary store card that is not connected to Visa or MasterCard. So, that means that you cannot use this credit card elsewhere than Menards stores or the partner-companies of Menards. Secondly, this store card comes with an incredibly high interest rate and zero annual fee – this is something normal for such store cards. And, after all, you need only fair credit to be able to apply for this card.
When it comes to the card’s rewards, they are neither generous nor miserly. In fact, this card comes with two special financing options. First, you can receive 6-month interest free financing on orders of $299 or more. This is actually something similar to what the Goodyear credit card offers. And while the offer tends to be quite good, the full interest will be applied to the entire sum if you won’t pay off the purchase within the 6 months.
Next, you can also make a purchase for $1,500 or more and take advantage of the 48-month special financing. During this period, the promotional APR of 3.99% will be applied to your purchase. In fact, this is something similar to the promotional financing offered by the Tractor Supply credit card. However, if don’t pay it off on time, the full interest rate will be applied to the entire sum.
Another reason to get this credit card would be to take advantage of the rebates it offers. Of course, you will get a 2% rebate on purchases at Menards stores and Menards.com. Additionally, you will enjoy a 1% rebate on merchandise and gas at Kwik Star, Kwik Trip, Holiday and Speedway. Also, you will receive an additional 1% rebate on the following brands of merchandise:
- Old Spice
- Irish Spring
- Herbal Essences
- Head & Shoulders
- Gillette
- Crest
- CLOROX
- Cascade
- Bounce
- Bar Keepers Friend
- Always
- AJAX
- AirWick
- 409.
If, for instance, you buy one of such products at Menards, then you will receive a 3% rebate: 2% for a purchase at Menards and 1% as a brand rebate. And, in fact, that’s not that bad reward rate, though there are many store cards that offer far generous rewards.
All in all, this store card from Capital One is a pretty good choice for those customers who frequently make purchases at Menards. And while there are many credit cards that offer better rewards, this store card also allows you to get promotional, interest-free financing. But if you don’t tend to make purchases at Menards often, then it barely makes sense to get this credit card.
Apply for Menards Credit Card
So, if you read this Menards credit card review and decided to get this credit card, you should submit your online application. In fact, the entire application process takes around 10 minutes, so you won’t have to spend a lot of time on it. So, just follow our guidelines below and apply for this credit card.
- In the first place, you should click on the following button and open the website of this credit card:
- On that page, you should click on the “APPLY ONLINE” under the credit card that you want to get.
- Following it, you will get to see the page with an application form. Now, you need to fill it out in order to apply for this credit card.
- At first, you should provide the following information: your full name, email address, physical address, phone number, date of birth, social security number, and financial information. Once you have done it, click on the “Continue” button.
- After that, you should review all the information you have provided on the next page. If everything looks fine, check the box near “I agree…” and click on “Continue.”
- At the end, you will get to see the page with terms and conditions of this credit card. Please, carefully and attentively read them. If you agree to proceed, check the boxes near “I agree…” and click on the “Submit” button.
- After that, you will immediately get to see the result of your application.
Menards Credit Card Login
In case you already have this credit card and signed up for online access, you can manage your credit card account online anytime. In particular, that allows you to check your current balance or make payments on your card. Yet, you will have to make a login each time you will want to do that. Here, we will demonstrate you how to do that step by step.
- First of all, you should open the webpage of Capital One Bank by clicking on this button:
- There, you will get to view the Menards credit card login form – that’s the place where you can sign in to your credit card account.
- At first, you must type your username in the first field of that form.
- Next, you have to enter your password in the next field there.
- Besides, you may also check the box near “Remember Me” – this will allow you to save your username for future sessions.
- Once you are done with this, you should click on the “Sign In” button.
- If you have done everything right, you will get signed in to your credit card account in the next moment.
Menards Credit Card Payment
Actually, there are three ways how you can pay your Menards store card: online, by phone and by mail. Unfortunately, you cannot pay your credit card in a store. In this part of our page, we will disclose how to pay your Menards card in each of these ways.
Of course, the easiest and most convenient way of paying your store card online. In order to pay your credit card in this way, you should sign in to your credit card account online (see our instructions from the previous section). There, you will be able to make a payment.
Secondly, you can make a payment by phone. For that purpose, you should call 1-800-871-2800, ask the operator to pay your card, and follow the instructions. However, keep in mind that you might be charged an additional fee for this service.
After all, you are able to send your payment by mail. In order to do that, you should use the following address:
Menards Retail Services
P.O. Box 4144
Carol Stream, IL 60197-4144.
Credit Card Alternatives
If this credit card doesn’t suit your needs fully, you might look for an alternative. Here, we have prepared a great selection of amazing credit cards that might satisfy your needs.
Wells Fargo Cash Wise Visa Card
Purchase APR: from 15.49% to 27.49%
Balance Transfer APR: from 15.49% to 27.49%
Recommended credit score: from 690 to 850
Credit card features:
- Enjoy 0% intro APR period on purchases and balance transfers during the first 15 months
- Receive unlimited 1.5% cash back on all purchases
- Cash back rewards do not expire as long as your account remains open
- Receive a $150 welcome bonus after spending $500 within the first 3 months
- Zero fraud liability protection and 24/7 fraud monitoring
U.S. Bank Visa Platinum Credit Card
Purchase APR: from 13.99% to 24.99% variable
Balance Transfer APR: from 13.99% to 24.99% variable
Recommended credit score: from 720 to 850
Credit card features:
- 0% intro APR period on balance transfers and purchases during the first 18 months
- Flexibility to choose a due date for payments
- Fraud protection tools: zero fraud liability and free notifications about unusual activities
- Cell phone protection.
HSBC Cash Rewards MasterCard
Purchase APR: 14.49%, 18.49% or 24.49% variable
Balance Transfer APR: 14.49%, 18.49% or 24.49% variable
Recommended credit score: from 690 to 850
Credit card features:
- No foreign transaction fee
- Receive 3% intro cash back on all your purchases during the first 12 months (up to $10,000)
- Earn 1.5% cash back on all purchases after the intro period expires
- Additional travel and everyday benefits
- Cell phone protection
FAQ
Q: Where can I use a Menards credit card?
Since this credit card is not a part of a larger payment network (such as MasterCard or Visa), it is natural that you can use it only at Menards stores, Menards.com, and the company’s partner stores (read above).
Q: What bank is Menards credit card through?
At the present time, Capital One Bank issues credit cards for Menards.
Q: Where can I get gas with a Menards credit card?
At the present time, you can get gas with your Menards store card at the following stores: Menards, Kwik Star, Kwik Trip, Holiday and Speedway.
Q: What is the interest rate on the Menards credit card?
Currently, the interest rate on this credit card is 26.49%. Even though it is really extremely high, it is quite normal for store branded credit cards.
Q: What credit score do you need for a Menards credit card?
Even though there is no particular requirement from the company, we recommend your credit score to be at least 620 (fair) before you apply for this credit card.
Q: What credit score is needed for a Menards credit card?
Currently, we can only advise you to apply for this credit card if your credit score is 620 or higher.
Q: How hard is it to get a Menards credit card?
Given the fact that you can get this credit card even with fair credit, one may surely say that it is not much hard to get this credit card.
Q: How can I apply for a Menards credit card?
If you would like to see how to submit your application, please stick to the instructions from the “Application” part of this page.
Q: Where do I mail my Menards credit card payment?
If you would like to pay your credit card from Menards by mail, you should send your payment to the following address:
Menards Retail Services
P.O. Box 4144
Carol Stream, IL 60197-4144.
Q: How to pay Menards credit card online?
For this purpose, you should sign in to your credit card account online and make a payment from there. In order to see how to do in detail, step by step, please check the “Login” part of this page.
Q: What is the credit limit on a Menards card?
As usually, this largely depends on your credit score. In most cases, however, customers receive credit limits in the range from $200 to $800.
Q: How to cancel Menards credit card?
If you would like to close your Menards BIG store card, you should call 1-800-871-2800, ask the operator to cancel the card, and follow the instructions.
