Meijer Credit Card
Basic Information
Program ID: meijer-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:23
Last Scraped: 01/15/2026 14:25
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 0 days
Bonus Timing: The 10% discount is applied as a statement credit on your first qualifying Meijer purchase, typically within 1-2 billing cycles after the purchase posts.
Rewards Program
Reward Type: Store Credit/Cash Back
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x points (5% back) on all eligible Meijer purchases (in-store and online)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points generally do not expire as long as the account is active and in good standing. Rewards, once issued as certificates or loaded to mPerks, typically expire 60 days after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: For 2026, the Meijer Credit Card (issued by Bread Financial) is expected to offer an initial bonus such as: Earn $30 in Meijer Rewards after spending $500 outside of Meijer stores within the first 90 days of account opening, plus 10% off your first Meijer purchase (up to $50 in savings). Eligibility requirements typically include: being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Bread Financial's creditworthiness criteria (generally fair to good credit for the co-branded version). Applicants may also be ineligible if they have received a new Meijer Credit Card bonus within the last 24 months.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases at Meijer), high cumulative credit limit across all Bread Financial products, sudden changes in spending patterns, frequent large returns, late payments or defaults on any Bread Financial accounts, suspected fraudulent activity, or multiple applications for Bread Financial cards within a short timeframe.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Card offers good rewards and discounts specifically for Meijer purchases, making it valuable for frequent shoppers. Approval process is often straightforward for those with fair credit.
Top Negative Feedback:
High Annual Percentage Rate (APR) and limited reward value outside of Meijer stores are common complaints. Some users report issues with customer service and account management through the issuer.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0