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Menards Credit Card

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Menards Credit CardMenards offers a credit card to its customers to make buying merchandise easier and more convenient. Menards credit cards for individual customers and contractors are available from the company. Compare other credit card offers now!

Menards is a home improvement retailer that operates brick and mortar stores in the Midwestern region of the United States. The company was established in 1962 and as of the fall of 2010, operated over 285 stores in 13 states.

The Menards credit cards are accepted in this company’s stores. Customers can also use them at Speedway, Holiday, SuperAmerica, Kwik Trip and Kwik Star stores.

Menards Credit Card Features

The APR (Annual Percentage Rate) for the Menards card is 24.99%. If a customer has been late with payment, this interest rate is adjusted to 27.99%. This default interest rate will be in place for a minimum of six months. If the customer makes payments on time during that period, the interest rate will revert to the normal one after that point.

The grace period for purchases is 23 days. If the accountholder pays his or her retail credit card balance in full during this time, no interest will be charged. The minimum amount that will be charged in interest is $2.00 per month on eligible purchases.

No over the limit fees are charged on this card. Late fees are charged based on the outstanding balance on the card and range from $10-$35.

Accountholders can access their account information online and make payments in this manner as well.

Menards Credit Card Benefits

Cardholders receive a $10 in-store certificate when they charge their first $100 on the Menards card.

Using the card also gives them the benefit of receiving a 2% rebate on all of their Menards purchases.

Menards Credit Card Offers Convenience, High Interest Rates

If you are going to be buying from the retailer regularly, getting this card may make sense. The 2% rebate on purchases is a good feature if you have a large project that you will be working on. The interest rate charged on unpaid balances is quite high, so you will want to be sure that you can pay it off quickly. Compare online credit card rates now!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

3 Cardholder Reviews for the “Menards Credit Card”

  1. Mr.Wick says:
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    I am a menards card holder. Although the rates are high its a great service. I also have a home depot card and the normal rates are higher than the menards late payment rate! But honestly I go to home depot before I go to menards (Madison Wisconsin area) just because either you can’t find staff in menards, you have to deal with horrible sales associates when you can find then and they are always seem to act like I (18 employee business owner) am bothering them or taking from whatever they seem to be doing. I give the card a high 10! But everything else I’d rather not say… So sorry I wish I could spend money and pick up oddball supplies/tools with a pleasant experience.
    Sincerely,
    Upset consumer

  2. Name (required)Jane says:
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    …I on the other hand prefer Menards to the Home Depot or other similar stores. I have gone to the home Depot in Clinton Iowa and can not get any service there!! I have tried 4 times and no one will help me! I try to get someone to help and they see me walking to them and motioning to them that I need help and they turn around and go the other way!! In Menards I just go to someone ~ even if it isnt their department, and if they cant help me they find someone that can! I have never had any trouble in Menards. Workers actually walk up to me and ask if they can help or if I need any help! GIVE ME MENARDS ANY DAY!!

  3. Paul says:
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    I have had a Menard\’s Contractor card for years because I like the service, the products, and the willingness of their employee\’s to help. The problem is their credit card is serviced by HSBC and they are just the opposite. I have been paying my bill in full and on-time for years and within the last year went to on-line payments through Chase Bank. Everything was fine for many months until recently. I would send the payment and a few days later it would be returned to my account as a credit. I was unaware of this until about two weeks later when I was updating my account\’s. Called HSBC and in their usual sarcastic and dismissive manner I was told they never received it and I also assessed a late fee of $39.00, a finance charge, and another $2.00 to post that information on my balance. I called my bank and was told that they have had numerous complaints about the same thing and most of them dealt with Menards cards and HSBC. All of my payment information, routing numbers and account numbers were verified and nothing had changed from other payments. It was very difficult to get anyone at HSBC that was willing to deal with the problem. We were finally able to have all the late charges removed and one of them finally admitted that HSBC has been having problems, \” their computers seem to be scrambling the last few numbers of customers accounts so they cannot be posted and are sent back to the payee account. They are aware of the problem and \”may have to give some of that money back.\” It appears that many, long term customers are either cancelling their Menards card or threatening to do so…myself included. I have brought the matter to the attention of several store manager\’s and sent an email to Menards corporate HQ to make them aware of the problem. Menards is much to good of a store to be serviced by HSBC and they need to correct that [problem ASAP.
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