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Menards® Big Credit Card

Christine Krzyszton
Updated on: 05/18/2018
RE®: 71
Our Rating
Menards® Big Card®
GET EVEN BETTER RATES
For excellent/good credit
  • 65
    for Menards customers
  • 75
    for Cash Rewards
  • 73
    for Everyday use

"Get 2 percent back on your purchases from Menards home improvement stores."

Menards has been a staple for home improvement in the Midwest for nearly 60 years, and it’s still going strong today with over 300 stores. A lot of loyal shoppers contribute to Menards’ success, and these customers are the target audience for the Menards Big Card.

The card is issued by Capital One and offers a 2.0% rebate on purchases made at Menards. If you’re a frequent Menards shopper, your savings will add up since the card rebate can be combined with discounts, other in-store rebates, special promotions and sales. You’ll benefit from a 1.0% rebate at participating gas stations, too. Cardholders can also get special financing on purchases over $299.

One downside is that you can only use the card at Menards and participating gas stations, plus rewards are only issued in the form of Menards store certificates. Another negative of the card is that high APRs and late fees make it a terrible choice for anyone who doesn’t pay off their balances every month.

You could do much better with a standard cashback card, a card that offers 0% APR or a card that gives you both. If you want to earn rewards for your Menards shopping, consider a card like the Capital One Quicksilver Cash, You'll earn slightly less on Menards purchases (1.5% vs. 2%), but you can use the card anywhere and the rewards are straight cash back. You won't be tied to one store. Plus you'll get more back for gas purchases. The card also comes with a generous $150 sign-up bonus and interest-free financing for 15 months. If you're a small business owner, the Spark Cash for Business, card offers 2% back on all purchases and a $500 bonus, but no special financing.

Features and Benefits

Many store-branded credit cards can only be used at the affiliated store. The Menards Big Card is similar but adds the extra flexibility of being accepted at select gas stations as well. You’ll receive a 2.0% rebate on your purchases at Menards and 1.0% at participating gas stations. If you're primarily interested in gas discounts, you may be better off with a different card.

If you’re looking to finance a home improvement project or that fancy new snow blower, Menards offers cardholders special promotional financing plans, including some with zero interest. Financed purchases do not receive the 2.0% rebate. If you're primarily interested in interest-free financing for a big purchase, check out these other options.

What You Get

  • 2.0% back on purchases at Menards.
  • 1.0% back at Speedway, Holiday, Kwik Trip and Kwik Star gas stations
  • 0% APR financing for purchases of $299 to $1,499
  • Reduced APR for purchases of $1,500 or more
  • No annual fee
  • Exclusive access to Menards Big Card sales events

Your 2.0% rebate is accumulated in your account and issued quarterly in the form of merchandise certificates. The certificate minimum is $5. If you do not have $5 in accumulated rebates, the rewards roll over to the next quarter. There is no limit as to the amount you can earn, but large purchases for which you have selected special financing do not receive the rebate.

In-Store Financing

Menards Big Card holders have the option to forego the 2.0% rebate on large purchases and receive special financing instead. Special financing allows you to spread out the repayment of your purchase over a specific period of time.

Cardholders are offered special promotional financing plans which may include the Waived Interest Charge credit plan, the Same-as-Cash monthly payment plan and the Reduced Rate credit plan. The current promotional financing plans include a waived interest plan on pre-tax purchases of $299 or greater. You can finance the repayment over a six-month period from the date of purchase. Interest is deferred for the entire period, and if you pay off the entire balance by the deadline, you will be charged no interest.

If your pre-tax purchase amount is $1,500 or more, you can choose a reduced rate credit plan which offers financing for the purchase over a 48-month period. The interest rate for this 48-month promotional financing is 3.99%.

Minimum payments are required for each statement period for the special financing options, and payments must be made on time. If not, penalty APRs can reach 29.49% Variable±. If the balance is not paid off by the deadline, any balance will be charged the standard variable interest rate, which is currently 26.49% Variable±. You can avoid the risk of a deferred interest payment altogether if you opt for one of these credit cards with a promotional 0% APR offer.

Customer Perks

In addition to receiving a 2.0% rebate on Menards purchases, customers who hold the Big Card can combine that savings with in-store and manufacturers rebates. Menards in-store rebates range from 1.0% to 11% and are issued in the form of store credits. Cardholders also receive a 1.0% rebate at affiliated gas stations.

On Menards purchases of $299 or more, cardholders can forego the 2.0% rebate and select special financing that can range from 6 to 84 months, depending on current promotional financing offers. Cardholders also receive special invitations to Menards Big Card sales events.

How Much Will You Earn with Menards® Big Card®?

Like many store-branded credit cards, you can use your Menards card only at affiliated stores. The good news is that Menards includes some gas stations in their rebate program. If you’re shopping frequently at Menards and getting your tank filled up at one of the participating gas stations, you’ll soon earn certificates you can use to offset your spending at Menards. You cannot use your Menards Big Card anywhere other than Menards and Speedway, Holiday, Kwik Trip and Kwik Star gas stations. If you want a more flexible card, consider a cashback card or a gas card instead.

Menards® Big Card Rewards

Your Monthly Charges
Rewards You Will Earn Annually
$240cashback
Menards purchases
2%cashback/$1
Gas
1%cashback/$1

While earning rebates on your Menards and affiliated gas station purchases is great, you’ll be rewarded with rebate certificates that can only be used at Menards. Sure, saving money on future purchases has value, but store certificates do not have the same flexibility as cash back. You may be better off with one of these cashback cards.

Should You Get the Menards Big Card?

Do you shop at Menards on a regular basis and frequent a Speedway, Holiday, Kwik Trip or Kwik Star gas station? If the answer is yes, then you’ll probably benefit from getting 2.0% back on all of those Menards purchases. But the 2.0% rebate is on par with many cashback credit cards that can be used anywhere, like the Spark Cash for Business. You’ll also benefit from the 1.0% rebate on gas, though there are many cards that can earn more.

Or perhaps you’ve got a major home improvement project you’d like to finance over a 48-month period. You could utilize the promotional financing period to spread out the repayment of such a purchase. However, if you don't need that much time to pay back the purchase, consider a more flexible 0% credit card. You won't be limited to Menards and many offer cashback rewards even for purchases that receive interest-free financing.

A major downside to the Menards card is that earning rewards is limited to purchases at Menards and a few gas station brands. Plus the rewards certificates you receive on a quarterly basis can only be used at Menards stores. On the other hand, many cashback credit cards reward all of your purchases and offer cash back that can be used toward any purchases.

The Menards card’s promotional financing can serve a valid purpose and save you money if you’re a prudent consumer. Financing a large purchase of $1,500 or greater over a 48-month period at a low 3.99% APR may seem like a deal, and it can be.

One downside, though, is that if you miss a scheduled minimum payment, you’ll be saddled with an APR of up to 29.49% Variable±. Plus, if you do not pay off your balance by the deadline, you’ll incur the standard 26.49% Variable± interest rate on your purchase from the date of purchase, which is certainly not a good value by any stretch. These 0% APR cards won't punish you if you don't pay off your entire purchase on time.

If you’re considering the Menards Big Card because you shop there frequently, you might want to look at an alternative cashback card, such as the Quicksilver or Spark Cash cards, that reward all of your purchases. The Quicksilver card will even give you 0% interest at the same time!

FAQs

Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • How does the rebate program work? Do I receive it on every purchase?

    You will receive 2.0% back on all Menards purchases unless you utilize promotional financing. Special Big Card sales events are also excluded from the rebate. You’ll also earn a 1.0% rebate on your purchases at affiliated gas stations. However, many other cards, like Quicksilver from Capital One, will offer you both interest-free financing and cashback at the same time. And you can use those cards and the rewards you earn at any store or gas station.
    The Menards rebate funds accumulate in your account and are issued to you four times a year. You must have at least $5 in accumulated rebates in order to receive the rebate funds. If you have less than $5 in your account, the funds roll over to the next period.
    The rebates are sent in the form of merchandise certificates that can be used only at Menards stores. There is no limit as to the amount of rebates you can earn.
    Menards also runs an in-store rebate program offering 1% to 11% back on certain items and brands. You will receive your 2% Big Card rebate in addition to the in-store rebates. You can sign up for a rebates newsletter that will inform you each week as to the new in-store rebate offerings.
  • Can I finance a large purchase without interest?

    One of the desirable aspects of holding the Menards Big Card is the ability to make a large purchase and finance the repayment over time. Cardholders have access to three types of financing plans: the Waived Interest Charge credit plan, the Same-as-Cash monthly payment plan and the Reduced Rate credit plan.
    If your pre-tax purchase amount is $299 or larger, you can select financing for up to six months from the date of purchase. Interest is deferred during this period, and if the total is paid off by the deadline, interest is waived. Note that you can easily get a longer period of 0% interest from a variety of other cards. that are much more flexible.
    If your pre-tax purchase is $1,500 or greater, you can finance your repayments over a 48-month period. The interest rate for the 48-month finance period is 3.99%.
    Minimum on time payments must be made on either of these financing options. If minimum payments are not made, or not made on time, penalty APRs can reach 28.99%. If you do not pay the entire balance by the end of the special financing period, variable standard 25.99% interest rates will be applied to the balance retroactive to the purchase date.
  • Do I earn rewards on any purchases other those made at Menards stores?

    In addition to earning a 2.0% rebate on your purchases at Menards stores, you can receive a 1.0% back on purchases at select gas stations. Participating stations include Speedway, Holiday, Kwik Trip and Kwik Star. There are other cards, that are better for saving on gas, though, and many of them can be used at any gas station. You could even get a standard cashback card and earn up to 2% cashback on all of your purchases.
    Gas station rebates accumulate in your card account and are combined with Menards 2.0% rebates then issued quarterly to you in the form of Menards certificates once you have reached $5 or more in total rebates.
  • Can I manage my Menards Big Card account online?

    Accessing your account online on a regular basis is a great way to make sure you manage your credit account wisely. Once you’re approved for the card, just go to the Menards Big Card online site and enroll in online customer care. You can pay your bill, set up automatic payments, view your statements, track recent transactions, download account documents and access your account history.
    Your online account helps you keep track of your promotional financed purchases to make sure that your payments are made on time and the balance is paid off by the deadline to avoid any finance charges or late fees.
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Compare Menards Big Card

Store-branded home improvement credit cards lack a lot of luster compared to many other rewards credit cards. You won’t find any lucrative sign-up bonuses or generous earning capabilities. However, if you’re a frequent hardware store shopper or getting ready for a major project, you may want the discounts and special financing that comes with some home improvement credit cards. On the other hand, there are a variety of non-store cards that offer 0% APR financing. They can be used anywhere and often have more generous terms.

Menards® Big Card®
For Excellent/Good Credit
Check which Store credit card is the right fit for you
GET EVEN BETTER RATES

Compare Similar Store Cards

Home Depot® Consumer Credit CardHome Depot® Consumer Credit Card
Sign-up bonus$0$00 cashback
Annual Fee

$0

$0

$0

APR On Purchases26.99% Variable±26.49% Variable±17.99% to 26.99% Variable±
Foreign Fee0%0%0%
Bonus Value$0$0$0
Second Year Value$0$240$0

The Menards Big Card and the Lowes Consumer credit card are both issued by Capital One. You might think their features and benefits would be similar, but the Lowes Consumer card offers a generous 5% discount on all of your purchases at checkout. This is as good as or better than some cashback credit cards. The Menards Big Card offers just 2.0% back, and the rewards are distributed on a quarterly basis.

Don’t stop there when comparing these cards. You’ll find that the Lowes 5% discount cannot be combined with other discounts, whereas Menards lets you combine the 2.0% rebate with its common 11% rebate on select in-store items, as well as with other discounts, such as the 1% discount on certain brands.

One benefit that often compels consumers to open home improvement card accounts is special financing for large purchases. While the Lowe’s Consumer credit card and the Menards Big Card both offer special promotional financing options, they also provide discounts and rebates. If 0% interest financing is important to you, don't forget to check out our list of great interest-free cards that typically have better terms and cashback rewards.

The Home Depot credit card, does not offer either a discount or a rebate program. You do get special financing, though. On purchases of $299 or more, you’ll get up to six months of interest-free financing. Other cardholder financing options include a special 12-month repayment period for appliance purchases over $299.

The Menards Big Card can save you money if you frequently shop at Menards and purchasing gas at one of the participating gas stations, especially considering you can stack store discounts and other rebates for even bigger savings. However, a home improvement credit card such as the Menards Big Card cannot live up to the task of rewarding you for everyday purchases. You’ll need to supplement the card or consider getting just a cashback card to accomplish that.

Some Alternative Cards for Menards Shoppers

One nice benefit of the cashback credit cards listed below is that none of them charge an annual fee. The other great news is that these cards earn rewards on all purchases, not just purchases at specific stores. The other aspect with many of these cashback cards is that the earning structures are simple—you make a purchase, you receive cash back. If you’re considering the Menards Big Card, take a look at these alternative cashback cards that may offer overall better rewards earning and more flexibility at redemption time.

2%back on purchases at Menards
Menards® Big Card®

Check if Menards® Big Card® is the best option for you

Best Rotating Category Card

The Discover it Cashback Match card offers 1 percent cash back on your purchases, but on your first card anniversary, Discover matches all the cashback you’ve earned throughout the year. So you’re essentially earning at a base rate of 2 percent back for the first 12 months.

You can also earn 5 percent cashback for certain featured categories of purchases that rotate every quarter. And sometimes they include home improvement stores like Menards. These rotating categories allow you to earn 5 percent back on up to $1,500 in purchases, which can work out to $300 a year.

It gets better, though, because these earnings are also matched at the end of your first year. That’s essentially a 10 percent return for select purchases. The Discover it card has no annual fee.

Best Cashback Card

The Citi Double Cash card is a great cashback card and deserves consideration by Menards customers. It has a simplified earning structure where you’ll earn 1 percent cash back when you make a purchase and another 1 percent back when you pay off your balance each month. Plus, you’ll still be able to take advantage of Menards in-store rebates and promotional offers while earning cash back.

The Citi Double Cash card has no special bonus categories or quarterly promotions to keep track of. It delivers simple earnings on every purchase. Unlike the Discover it card, which requires you to wait until the end of your first year to receive the additional cash back, Citi Double Cash delivers it each statement period. It’s also a no-fee card.

Best 0% APR Card

One reason you might be considering the Menards Big Card is to finance a big purchase. If this is the case, you may be better off with the no-annual-fee Capital One QuickSilver Rewards card instead. It offers a 0% APR for the first 15 months for purchases. You can put all of your Menards purchases on the card and not pay interest for 15 months.

You won’t be sacrificing earnings either as the QuickSilver Rewards card offers 1.5% cash back on every purchase. Remember, with the Menards Big Card you have to choose either the 2% rebate or special financing. The QuickSilver Rewards card offers both.

In addition, the QuickSilver Rewards card has a $150 sign-up bonus after spending just $500 in the first three months after card approval.

The Quicksilver card is a great alternative to the Menards Big Card since you’ll be able to finance those large purchases and receive cash back at the same time. You can still sign-up for Menards special sale newsletters and take advantage of in-store rebates if you don’t have the card.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Good credit score
From 700 to 749
Issuer
Capital OneCapital One
Rewards Currency
Cashback

Card Terms and Conditions

While it's easy to focus on the benefits of the Menards Big Card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this card.

Purchases

Intro APR:
N/A
Intro APR for balance transfers:
N/A
Ongoing APR:
26.49% Variable±
Minimum Grace Period:
25 days

Cash Advance Features

Ongoing APR:
See Terms and Conditions
Cash Advance Fee:
See Terms and Conditions

Security and Protections

Manage your Menards Big Card account online by signing up for online customer care as soon as you get your card. Access your online account to monitor transactions and set up custom account alerts.

Online Customer Care:
Pay your bill, view your statement and transaction history, set up custom alerts and keep track of your financed purchases.

Additional Cardholder Benefits

The Menards Big Card is issued by Capital One, but since it is a store affiliated card, it does not offer any Visa, MasterCard or American Express cardholder benefits.