The content is accurate at the time of publication and is subject to change.
Information for some cards not reviewed by or provided by Capital One
If you are a holder of the Menards Big Card or the Menards Contractor card, you will have the opportunity to earn a 2% rebate on all your qualifying Menards purchases. In addition to the 2% you earn, being a cardholder will also give you the opportunity to receive addition rebates and savings opportunities including a 1% rebate when making purchases at Speedway, Holiday, Kwik Trip and Kwik Star Stores and an additional 1% rebate when purchasing products with eligible brands including Ajax, Clorox, Crest, Irish Spring, Old Spice, Tide and more.
Rebates are paid in the form of merchandise certificates issued quarterly following the quarter in which the purchases were made, and you must have a minimum rebate balance of $5. To receive your Menards® Quarterly Reward Certificate, your account must be in good standing. If you are in default on your account at the time of rebate issuance, your earned rebates will be carried over to the following issuance period until your account is in good standing. Earned rebates of less than $5 will also be carried forward to the following quarter.
Menards credit cards are suitable for regular customers of its stores. The extra rebates from partnered brands, coupled with its own 2% deal, is competitive when compared with similar credit cards. Just keep in mind that if you want to avail of the promotional plan, a two percent rebate on purchases will not be credited, either a rebate or a promotional offer will be available to you.
However, customers who don't often shop at Menards might not find the rebates to be competitive enough, especially in light of the relatively high APR. Therefore, it's better to consider a regular credit card with a 0% intro APR on purchases. For example, the Discover it® Miles credit card has a 15-month 0% Intro APR on purchases (when the introductory interest rate is over, the ongoing APR of 17.24% - 28.24% Variable APR will apply). So, you will have plenty of time to pay off your purchase. Also, this card makes it easy to earn and redeem rewards: you will earn 1.5 miles per every dollar spent on purchases, which is basically 1.5% cash back. Discover will match ALL the Miles you've earned at the end of your first year, automatically (if you are a new cardmember). For example, if you earn 35,000 Miles, you get 70,000 Miles. That's $700 towards travel! The card has no annual fee and no foreign transaction fees.
