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Menards Big Card

Approval Odds
Cardholder (7 Reviews)
Application Process
Customer Service
1.2856999635696 5

Cardholder Rating Distribution (7)

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Reviews (7)


This is how they sell at a low cost. They will remove last months interest, but that is all they can do, even in cases of hardship. 

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Outrageous APR and many hidden dangers
Helpful to 2 out of 2 people

I signed up for this card after becoming inundated by flashy adverts promoting it. When inquiring about it at checkout I was whisked away to the sign-up kiosk where I quickly got approved with a $2500 limit. The base APR is 25%, and the buzzy "6 months no interest" claim apparently only holds water if you pay off the entire amount by then or else you will be charged 25% accumulated interest from the very first month onward. 

The awards and benefits of using such a card are also subpar. $2 back for every $100 you spent, in the form of an in-store gift certificate every quarter or so. Most in-store cards I have offer 5% immediate discounts. For joining I also got a free "you could win up to $500 by scanning this paper" but of course it was instead the lowest award amount of $2--I suspect the odds of winning anything higher are very low.

The website to manage transactions and pay bills is complicated. I find it especially confusing when paying early as it doesn't make it clear what part of the balance has already been paid and what is still owed. You cannot drill into any particular charge to any extent more than you can a generic credit card, to review specific purchases for instance. As soon as I figure out how much I still owe them I plan to pay off the card and will avoid using it in the future.

(Several months after joining, I still haven't received the promised $10 gift certificate [only valid on $100+ purchases], unless it got lost in the mail.)

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Just Signed Up Two Days Ago
Helpful to 2 out of 3 people

Seeing the lackluster reviews for the Big Card is a concern.

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Menards Big Card is a scam
Helpful to 3 out of 3 people

I have had the big Card for a year.  I expected my 2% rebate at the end of the year but didnt receive it. I called and was told that my concern would be studied and I may hear back in 30 days.

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Helpful to 4 out of 4 people

I have had this card paifd for in full and have proof of this.  call them & all they say is sold bill to another.  Called another & agreed it is paid for in full & menards card is not correcting this matter nor! do they even care!  I got such a run around from them & w/o explaining a thing.  Never again!  Look at the date also 1998!  They need to update their system.  This may cost me a loan to purchase a home for us!

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Helpful to 2 out of 3 people

 this is a store card. It is very close at changing credit issues.  pd in full 2 months now & credit has not changed to show it as paid.  good thing i have proof of payment.  they need to speed up their imput time to keep cutomers ratings correct.  does damage when they r slow.  be very careful having this account. i dont reccommend having it

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Helpful to 1 out of 2 people

It is a store card, not great not terrible. 

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Company Overview

The Menards Big Card, serviced by HSBC Bank, is issued to Menards customers. Cardholder benefits include an annual rebate on Menards purchases, in-store gift certificates, enrollment in the Big Card Savers Club, and annual rebates on purchases at affiliate stores. Online account management allows access to bill payment, statements, alert options, and balance.

Menards, a home improvement store widely known in the Midwest, was started in 1960 by John Menard, Jr. Dedicated to the slogan “SAVE BIG MONEY ®”, Menards offers high quality materials and tools for home improvement projects at low prices. Products offered at Menards stores include appliances, pet products, garden supplies, and more.

Approval Odds

Menards Big Card

7 Reviews