Menards® BIG Card
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Menards® BIG Card from Capital One earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Menards BIG Card earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Menards BIG Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Menards BIG Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Menards BIG Card?
The Menards BIG Card fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Menards BIG Card fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- points value depends on how you redeem, not straight cash back.
Does the Menards BIG Card have an annual fee?
The Menards BIG Card has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Menards BIG Card?
The Menards BIG Card includes $10 rebate, 1% rebate on gas and merchandise, 2% rebate in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
$10 rebate
$10/yrApply today to get an additional $10 rebate on the first $100 you spend on your BIG Card®
1% rebate on gas and merchandise
Visit any of our BIG Network Partners like Speedway, Holiday, Kwik Trip, or Kwik Star to earn a 1% rebate on gas and merchandise when you use your BIG Card®.
2% rebate
Earn a 2% rebate on all Menards® purchases for savings on future purchases. Rebates are issued as Menards® merchandise certificates. 2% rebates are not earned on items purchased using promotional financing.
No-interest financing
We offer special 6-month no-interest financing on purchases over $299 if paid in full in 6 months.
Related encyclopedia topics
Common questions about the Menards BIG Card
What credit score do you need for a Menards Big Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Menards BIG Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Is the Menards Big Card worth it?
The Menards® BIG Card from Capital One earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the Menards BIG Card have an annual fee?
The Menards BIG Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Menards BIG Card?
Dining is the strongest Madeen category for the Menards BIG Card at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Menards BIG Card charge foreign transaction fees?
The Menards BIG Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Menards BIG Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Menards BIG Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Menards BIG Card compare to similar cards?
Compare the Menards BIG Card against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Menards BIG Card This card | Dining | 0% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure