9
Benefits3
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Menards Purchases | 2x | Cash Back | Purchases made at Menards® stores or Menards.com | No Cap | |
| All Other Purchases | 1x | Cash Back | Purchases made everywhere else Visa® is accepted, excluding Menards® and Speedway® | No Cap | |
| Gas | 0.5x | Cash Back | Purchases made with your Menards BIG Card at Speedway® | No Cap |
Rewards Summary
PENDINGReward Type: Rebate
Base Rate: 0x
Bonus Rate: 0.11x
Categories: 2% on all Menards purchases; up to 11% on all Menards purchases during special promotional periods
Quarterly Rotating: No
Expiration Policy: Rebate checks are typically valid for 6 months from the date of issue.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rebate checks can only be used for purchases at Menards stores.
Benefits & Protections (Detailed) 9 Total
PENDINGFinancial 2
No Annual Fee
No annual feeThere is no annual fee for carrying this credit card.
CreditWise Access
Free credit monitoringAccess CreditWise from Capital One for free to monitor your credit score and get alerts for changes to your credit report.
Lifestyle 1
Mobile App Access
Convenient account managementManage your account, pay bills, and monitor transactions conveniently through the Capital One mobile app.
Security 3
Fraud Coverage
Protection against unauthorized chargesCardholders are protected against unauthorized charges with fraud coverage.
Virtual Card Numbers
Enhanced online securityGenerate unique virtual card numbers for online purchases to help protect your actual card number from being compromised.
Security Alerts
Real-time fraud monitoringReceive alerts for suspicious activity or large transactions to help monitor your account for fraud.
Shopping 3
5% Rebate on Menards Purchases
5% rebateCardholders earn a 5% rebate on all purchases made at Menards stores.
2% Rebate on Select Fuel/Grocery Purchases
2% rebateCardholders earn a 2% rebate on purchases made at Speedway, Holiday, Kwik Trip, Kwik Star, and Upper Lakes Foods.
1% Rebate on All Other Purchases
1% rebateCardholders earn a 1% rebate on all other purchases made everywhere Visa is accepted.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 3% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, eligibility for the Menards Capital One card is primarily for new cardmembers who have not held the Menards card or received a sign-up bonus for this specific product within the last 24-48 months (exact period subject to Capital One's discretion). Applicants must meet standard creditworthiness criteria, including a satisfactory credit history, sufficient income, and a valid SSN/ITIN. Capital One generally prefers applicants with good to excellent credit for their co-branded products. The typical bonus rule involves a one-time discount on a first purchase or a rebate on initial spend within a specified period, available only to eligible new cardmembers.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Unlike premium travel cards such as Venture X, the Menards card typically does not have a 'lifetime' bonus restriction across broad product families. Instead, the 'cliff effect' for this store card primarily relates to being a new cardmember for the Menards product itself. If you have previously held the Menards card or received its sign-up bonus, you will likely be ineligible for a new bonus for a period of 24-48 months, regardless of other Capital One cards you may hold.
Special Events: Menards is renowned for its 11% rebate program, which is a recurring special event. Cardholders can also expect special financing offers (e.g., 0% APR for X months on qualifying purchases), exclusive cardholder discounts, and bonus rebates or points on specific product categories or during promotional periods.
Holiday Promos: Key promotional periods often align with major holidays and seasonal sales, including Black Friday, Cyber Monday, Memorial Day, Labor Day, Christmas/Holiday Season, and Spring/Summer sales. The 11% rebate program is frequently activated during these peak shopping times.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent rewards for Menards shoppers, good sign-up bonus, accepted everywhere Mastercard is.
Top Negative:
Low rewards on general spending, high APR, customer service issues reported, credit limit can be low.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Lowe's Advantage Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: vFebruary2024