Menards® BIG Card®
Basic Information
Program ID: menards
Issuer: Capital One
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 12:00
Last Scraped: 01/15/2026 06:58
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.05%
Bonus Categories: 5% cash back on Menards purchases, 1% cash back on all other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as the account is active.
Transfer Partners: N/A (Cash back card)
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
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: The Menards Capital One card is primarily a store-branded credit card. Eligibility typically requires applicants to be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess a fair to good credit score (often more lenient than premium travel cards). Capital One generally restricts new card applications to one every six months and may limit the total number of open Capital One accounts. While specific sign-up bonuses for store cards are usually immediate discounts (e.g., 10% off first purchase) or special financing offers rather than traditional spend-based bonuses, applicants should not have recently opened or closed multiple Capital One accounts. The 'once per lifetime' bonus restriction, as seen with cards like Venture X, does not apply to the Menards store card, as its bonus structure is fundamentally different and tied to store promotions rather than large travel point accruals.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A (Bonuses are typically immediate discounts or special financing offers, not tied to a multi-month spend requirement)
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), credit cycling, high credit utilization on the Menards card or other Capital One accounts, rapid credit limit increase requests, excessive recent credit applications (especially with Capital One), and defaulting on payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent rebates for frequent Menards shoppers, no annual fee, good for building credit history.
Top Negative Feedback:
High APR makes carrying a balance expensive, limited rewards outside Menards, customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Lowe's Advantage Card
- Home Depot Consumer Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $110.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0