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Meijer Credit Card Review (Feb. 2024)

Meijer Credit Card Review
Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer
Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewed by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Advertiser Disclosure

Supermarket chain Meijer was founded in the midst of the Great Depression when a man named Hendrik Meijer purchased $338.76 of merchandise on credit to help clients at his barbershop. Still focused on providing a one-stop shopping experience, the company has since expanded beyond grocery products to carry pharmacy, electronics, home goods, and even apparel.

Today, consumers across the Midwest look to Meijer supercenters for value and convenience when shopping for daily essentials. The Meijer Credit Card offers patrons special rewards and discounts on purchases made at store locations and at Meijer Gas Stations. But, unless you’re a big spender at Meijer, the rewards can be underwhelming, and they don't justify the high APR.

Better Cards to Use at Meijer

While Meijer prides itself on being a pioneer of the supercenter store concept, there are still some things you won't find on its shelves. So, when it comes to a credit card, there's no reason why you shouldn't have access to buying anything you want — and earning rewards along the way. The Meijer Credit Card simply doesn't offer that flexibility.

Plus, the puny $10 store credit for every $750 means the store may have you spending more than you want, or pumping more gas than you need, just so you can see a return on your purchases. Compared to other credit card options out there, the Meijer Credit Card doesn't have much to offer — other than a high APR, that is.

If you want to earn savings when shopping for your daily essentials, foodstuffs, or occasional splurges, your best bet is to seek an open-loop credit card that rewards you on purchases made at Meijer and anywhere else you shop. With a wide range of credit cards for your choosing that offer richer rewards and kinder interest rates, you can find a card that serves your unique lifestyle and financial goals.

Cash Back

When it comes to credit card rewards programs, cash back is one of the most popular for a reason: simplicity. Cash back rewards are easy to earn — and even easier to redeem, typically available as a statement credit. This makes cash back rewards effectively a rebate on everything you buy, including Meijer's purchases.

Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

CASH BACK RATING

★★★★★

4.9

OVERALL RATING

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
19.24% - 29.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

0% APR

Interest rates can make or break any offer — and the same goes for the Meijer Credit Card. Regardless of the tempting rewards you may have access to, if your card has a high APR, your interest rates mean you'll likely be spending far more than you'll be saving.

But with many 0% intro-APR credit cards to potentially apply for, you can completely dodge interest charges for 12 months or more and enjoy things like cash back and open-loop versatility.

Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

0% INTRO APR RATING

★★★★★

4.8

OVERALL RATING

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
19.24% - 29.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

Travel Rewards

Instead of putting aside extra money for an upcoming trip, why not use your credit card to help fund your vacation? Travel rewards credit cards can help you earn points or miles good for free airfare, hotel stays, and more, putting you a little closer to your dream vacation with every purchase — including the ones at Meijer.

Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★

4.9

OVERALL RATING

  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
17.24% - 28.24% Variable APR
$0
Excellent/Good

Though regular customers can benefit by using the Meijer Credit Card when shopping Meijer stores and gas stations, the rewards and discounts are limited. Unless you load your shopping cart full of groceries and supplies, you'll be hard-pressed to see the light at the end of the savings tunnel.

Additionally, the Meijer Credit Card's high APR means you'll have to pay off the balance each month unless you want to be loaded with interest charges. Consider another credit card that can help you save on whatever you spend, wherever you shop.

Meijer Card Overall Rating: 3.7/5.0

Most Meijer customers are fans of the store since it carries a wide range of products under one roof. At checkout, it's normal to see shopping carts piled high — and high checkout totals to match. But it's that very experience that identifies the first downside to the Meijer Credit Card: a hefty APR.

The other major downside? The card only works at Meijer stores and gas stations, so you'll find limited opportunities to take advantage of its perks if you aren't located in the Midwest region. That being said, if you're near a Meijer and shop there often, the card does offer some perks, though they may not be as valuable as they first appear.

Meijer Credit Card

  • APR: 30.24% as of Feb 2024
  • Annual Fee: $0
  • Rewards: Earn a $10 reward for every $750 spent
★★★★ 3.7/5.0

One of the first things about the Meijer Credit Card that likely catches the eye of avid Meijer shoppers is the ability to net a $10 in-store credit for every $750 spent. However, when you crunch the numbers, that really only equates to around 1.3% back — a meager rewards rate, at best. Where the card's rewards do compete is outside the store — at Meijer Gas Stations.

When you use the card at Meijer Gas Stations, you can receive 10¢ off each gallon at the pump on all grades of gasoline, no minimum fuel purchase required. Since this equals a return of around 3.3%, it's not a bad deal — provided you buy gas almost exclusively at Meijer Gas Stations, and that you don't have an open-loop card that offers the same (or better) gas rewards.

On the plus side, the card does provide an extra incentive to new cardholders with a modest signup bonus of $10 off your total the first time you use it. But, overall, you'll need to swipe often at Meijer and Meijer Gas Stations to see rewards. What's more, not only will it likely take a number of purchases to work your way to your first reward, and you'll then have to spend it quickly since it expires within 45 days of being issued.

Approval Requirements & Application

With limited rewards and utility, the Meijer Credit Card's only real point of redemption is that you only need to have fair credit to get approved, though your full credit profile will be considered when you apply. You can apply for the Meijer Credit Card online using the link below, or at any Meijer location.

What Others Say About the Meijer Credit Card

Discounted fuel prices at Meijer Gas Stations along with rewards on in-store purchases were the highest points of praise reviewers had. However, as generous as these features seem, other cardholders were unimpressed by the steep APR and changes made to card incentives that have occurred over time.

WalletHub.com
A review from WalletHub.com says:

I have been going to Meijer for years and the day I finally agreed to open up a store card was probably one of the best decisions. The card was very quick to come in the mail as well. The good thing about this card also is you get money toward that goes towards gas, which is awesome because there is a gas station nearby every Meijer store. — WalletHub.com

★★★★★ 4.9/5.0
CreditCards.com
A review from CreditCards.com says:

The card’s a no-brainer if you already frequent a Meijer grocery store or are willing to switch for the rewards. However, even those who live near one of Meijer’s limited locations should be wary of the card’s high APR and restricted redemption options. — CreditCards.com

★★★ 2.9/5.0
ConsumerAffairs.com
A review from ConsumerAffairs.com says:

We were recently notified that Meijer was reducing the incentive reward for the Meijer Credit Card. The previous reward was a one-time coupon on grocery purchases for every $2,000 charged on the credit card. This was an incentive for many customers including me to shop there. It is reduced and now we won't shop there as much because without this coupon, we can save as much or more at other stores. — ConsumerAffairs.com

★★ 2.3/5.0

Is the Meijer Card Right for You?

For residents of the American Midwest, Meijer is a familiar name. Thousands of customers rely on the chain every day for everything from groceries to toys to home improvement supplies.

Since it claims to be nation's first supercenter, it's easy to assume that the Meijer Credit Card would strive to serve super savings — but the meager rewards earnings on merchandise purchases and fuel are simply adequate for even the most zealous Meijer customers. In fact, nearly any unlimited cash back card without bonus categories could provide a better return on in-store Meijer purchases.

Worse yet, the high spending threshold for earning rewards — $750 is a lot to spend, even with the variety of products available at Meijer — may be hard to reach for shoppers on a budget, meaning it could take months of purchasing to see any rewards at all.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.