Credit Cards For Shopping At Menards

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Menards® is a family-owned company and one of the largest chains of home improvement stores in the U.S. The company is headquartered in Eau Claire, Wisconsin and has stores in 14 states. Menards started its journey in 1958 and has become known through the home improvement industry as the low price leader with the slogan Save Big Money!® Menards offers different services to their customers, including credit programs. Credit programs are aimed at consumers, contractors, and businesses.

BEST ALTERNATIVES TO MENARDS CREDIT CARDS
CARD for EXCELLENT CREDIT
Barclaycard CashForward™ World MasterCard®
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Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening

Earn unlimited 1.5% cash rewards on every purchase

 
Consumer Rating: 5 / 5
CARD for LIMITED/NO CREDIT
Capital One® Platinum Credit Card
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Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
15.90% - 24.40% Variable $0 - $99 See terms No
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
23.9% $35 - $99* See Terms Yes
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
 
Consumer Rating: 4 / 5
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APR Annual Fee Activation Fee Instant Response
24.99% (Variable) $39 See terms No
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
 
Consumer Rating: 5 / 5
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APR Annual Fee Activation Fee Instant Response
0.00% See Terms See Terms Yes
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
 
Consumer Rating: 4 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
APR Annual Fee Activation Fee Instant Response
15.90% - 24.40% Variable $0 - $99 See terms No
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
 
Consumer Rating: 5 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
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This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Menards Credit Cards

Menards financing offers are designed to help consumers and businesses finance their home improvement or reconstruction projects. There are three credit cards offered by Menards: Big Card, Contractor Card, and Commercial Card. The last is a credit program for large companies and nonprofit organizations.

The Menards Big Card is offered to consumers to finance their large and small projects. The card has three benefits which do not come as a set though. You will have to choose from these benefits every time you make a purchase at Menards. The Big card benefits are extra rebates and savings, 0% interest rate for 6 months on purchases over $299, and low 3.99% APR for 48 months on purchases over $1,500.

These benefits are very tempting but do not let them to carry you away. The ongoing interest rate for the Big card is rather high – 25.24% variable standard APR. And the penalty APR is even higher – 28.24% variable APR. So if you are not organized enough you may accrue an unpayable debt.

To apply for Menards credit card, you can visit a local Menards store or their website. The online application is available for the Big Card only. Those who want to apply for a Contractor card or a commercial card will have to print out the application form and bring it to a local Menards store, or send by mail.
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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.