Meijer Mastercard
Basic Information
Program ID: meijer-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:25
Last Scraped: 01/15/2026 14:27
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 3% 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: 6 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 6 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Meijer Rewards are typically posted to your rewards balance within 1-2 billing cycles after the spending requirement is met and qualifying purchases have posted.
Rewards Program
Reward Type: Cash Back / Meijer Credit
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: 5% on Meijer brand items; 10 cents off per gallon at Meijer gas stations (often tied to Meijer spend)
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Rewards expire 1 year after issuance if not redeemed, or upon account closure.
Card Benefits
Protection Benefits
- Cell Phone Protection
Travel Benefits
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion
Issuer Rules
Rules: The Meijer Mastercard typically offers a sign-up bonus, such as a statement credit (e.g., $10-$50) or a percentage off the first purchase, upon meeting a specified spend threshold within the initial months. Ongoing rewards usually include a higher percentage back on Meijer purchases (e.g., 5%) and lower percentages on select categories like gas and dining (e.g., 1-2%), with 1% back on all other eligible purchases. Eligibility requirements for application include being at least 18 years old, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, and generally requiring a good to excellent credit score (typically FICO 670+) for approval. Applicants are subject to BreadFinance's comprehensive underwriting criteria, which considers existing credit relationships with the issuer and recent account closures.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High cumulative credit limit across multiple BreadFinance accounts, rapid application for multiple credit products, suspicious spending patterns (e.g., large gift card purchases, immediate returns, unusual transaction velocity), manufactured spending, failure to make timely payments, breach of cardholder agreement terms, or significant adverse changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Strong rewards for frequent Meijer shoppers, easy application process, useful Mastercard benefits, good for building credit.
Top Negative Feedback:
High APR, poor customer service from Comenity Bank, limited value if not a regular Meijer shopper, sometimes low credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $330.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 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