Meijer Mastercard Review 2024

• Meijer Mastercard Introduction
• Quick Facts
• What Is the Meijer Mastercard Best For?
• Meijer Mastercard Rewards
• Other Meijer Mastercard Benefits
• Fine Print
• How the Meijer Mastercard Stacks Up
• Is the Meijer Mastercard for You?
• Methodology

The Meijer Mastercard®*, issued by Citibank, is Meijer’s store-branded credit card, targeted toward frequent Meijer shoppers. Meijer is a supercenter chain with more than 240 locations primarily in the Midwest.

The card earns rewards on all purchases, granting the cardholder a $10 reward for every $750 spent.

The Meijer Mastercard®* has $0 annual fee and comes with a welcome bonus of $10 off the first in-store purchase with the Meijer Credit Card within 30 days of account opening.

Meijer and Citibank also offer a Meijer in-store credit card that can be used only at Meijer. The Meijer Credit Card* offers the same rewards as the Meijer Mastercard®*, as well as similar benefits.

• Get 10 cents off every gallon of gas at Meijer gas stations
• $10 reward for every $750 spent
• $10 off the first in-store purchase with the Meijer Credit Card within 30 days of account opening
• $0 annual fee
• Use card anywhere Mastercard is accepted

The main reason to consider the Meijer Mastercard is for its 10 cent per gallon gas discount. If you live in one of the six states Meijer supercenters are found (Michigan, Ohio, Indiana, Kentucky, Illinois and Wisconsin) and regularly fill up your tank at its locations, the savings could really add up.

As for the other benefits that come with the card, its effective 1.33% back in rewards is easily bested by credit cards that offer a base 2% cash back, on all purchases. The reward certificates earned with the Meijer Mastercard can only be redeemed for Meijer purchases and also expire, in two months or less. With cash back earnings on most other credit cards, your rewards don’t expire, as long as your account remains open and in good standing. Other cards also allow you to redeem cash back as a statement credit.

For most people, the Meijer Mastercard is not a standout. However, it could be worth considering as a dedicated gas card, if you do not already have a card that earns increased rewards on gas purchases.

Earning Rewards

The Meijer Mastercard®* offers a $10 reward for every $750 spent on the card—equivalent to 1.33% back. But the true rewards value is 10 cents off each gallon of gas when you fill up at a Meijer gas station. That’s 2.85% on a $3.50 gallon of fuel and unlike other rewards.

Rewards are issued as digital certificates to members of Meijer’s mPerks program who have opted into digital rewards. Digital rewards are limited to two per day and expire 45 days after they are issued. All other card members receive paper certificates. The Meijer Mastercard®* limits cardmembers to receiving 42 paper certificates per statement cycle, which expire 60 days after they are issued.

In addition to the normal earnings, Meijer offers special promotions called “Bonus Dollars” from time to time.

Finally, the card earns a welcome bonus of $10 off the first in-store purchase with the Meijer Credit Card within 30 days of account opening.

Redeeming Rewards

Rewards may be redeemed for in-person grocery or general merchandise purchases, excluding alcohol, tobacco, prescriptions, gift cards, cash equivalent purchases and Meijer.com purchases. Rewards may also not be redeemed at gas stations or for pickup or delivery purchases. Rewards that are redeemed toward purchases totaling less than the value of the reward certificates have no residual value, so if you spend $8 with a $10 certificate, you’ll have to forfeit the remaining $2.

To redeem your rewards, present your reward certificate at checkout when making a purchase at Meijer.

Rewards Potential

Forbes Advisor uses data from various government agencies to determine both baseline income and spending averages across various categories. The 70th percentile of wage earners bring in $118,438 annually and have $39,337 in expenses that could be reasonably charged on a credit card.

Our sample cardholder spends $3,562 on gas, assuming $3.50 per gallon that’s a total of 1,017 gallons. At 10 cents per gallon you could rack up $101.70 in savings.

Assuming a cardholder puts all of their remaining expenses on their Meijer Mastercard®*, they could earn $520 in rewards, good toward Meijer purchases during the year.

Between the discounts on Meijer merchandise and the savings on gas, your rewards potential for this credit card could be worth hundreds of dollars per year, in addition to the nominal welcome bonus.

Meijer Mastercard®* Rewards Potential

Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
All purchases	$10 per $750 spent	$39,337	$520
Meijer gas	10 cents per gallon	$3,562 roughly 1,017 gallons	$101.70
			Total: $520 in Meijer certificate plus $101 savings on fuel

See MoreSee Less

• Online account management. Manage your account online through the Meijer Credit Card online portal.
• Paperless billing. Receive your monthly statement and bills online.
• Mastercard. Use anywhere Mastercard is accepted.

Interest Rates

• Regular APR: 34.24% variable
• Purchase intro APR: N/A
• Balance transfer intro APR: N/A

Fees

• Annual fee: $0
• Balance transfer fee: Either $10 or 5% of the amount of each transfer, whichever is greater
• Foreign purchase transaction fee: 3% of each purchase transaction in US dollars

Meijer Mastercard®* vs. Citi Double Cash® Card

The Citi Double Cash® Card earns an unlimited 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off. That’s clearly a better reward proposition than 1.33% rewards that can only be redeemed at Meijer. The only potential downside of selecting the Citi Double Cash over the Meijer Mastercard®* is that you will lose the 10 cent per gallon discount on gasoline purchased at Meijer. However, with the higher rewards rate, you’re still likely to come out on top, even if you spend more on fuel than most.

Meijer Mastercard®* vs. Target RedCard™ Credit Card*

As a big box store, Meijer competes with Target stores within its geographic footprint, so it can make sense to take a look at the Target RedCard™ Credit Card*, if you’re considering general merchandise store cards.

While the Meijer Mastercard®* earns certificates on all purchases, which must be redeemed at Meijer, the Target RedCard grants an immediate 5% off on purchases at Target in store or online purchases. If you shop at Target often, this benefit is almost certainly more useful. You’ll receive the discount immediately, on every purchase and at a greater cash-back percentage.

Additionally, the Target RedCard offers ongoing perks from your first day of card membership, including free shipping from Target.com and an extra 30 days to return items you purchase.

Meijer Mastercard®* vs. Blue Cash Preferred® Card from American Express

If you are looking for a card that earns generous rewards on your family’s grocery store and gasoline spending, consider the Blue Cash Preferred® Card from American Express (Terms apply, see rates & fees).

The Blue Cash Preferred card earns generous rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. While the card carries a $0 intro annual fee for the first year, then $95 annual fee, people who spend a lot of money at U.S. supermarkets will more than make up for this annual fee with the additional rewards earned. Or for no annual fee consider the Blue Cash Everyday® Card from American Express (Terms apply, see rates & fees).

One of the most useful benefits is the Blue Cash Preferred’s purchase protection benefits¹ and extended warranty², which can protect your purchases against accidental loss and damage and in some cases, double the warranty on the items you purchase.

The Blue Cash Preferred Card from American Express offers a welcome bonus, too: $250 statement credit after spending $3,000 in purchases within the first 6 months.

It is difficult to see the Meijer Mastercard®* being a good value for anybody. The card earns rewards that can be easily eclipsed by one of the several credit cards that earn 2% back on all purchases or even by the myriad of cards earning 1.5% back on all purchases. The card offers a gas discount benefit of only marginal value and no ancillary benefits for Meijer shoppers.

For general purchases, consider a flat-rate cash-back card like Citi Double Cash or another 2% cash-back card. If you are interested in earning greater rewards on groceries or everyday categories, take a look at a card that earns high rewards on groceries, like the Blue Cash Preferred Card.

Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual points or miles
• Included travel or merchant credits
• Additional cardholder benefits

Card features we expect cardholders to use the most often are weighted more heavily in our ratings. Altogether, the factors come together to provide a star rating for each individual card.

Read more: How Forbes Advisor rates credit cards

To view rates and fees for Blue Cash Preferred® Card from American Express please visit this page.
To view rates and fees for Blue Cash Everyday® Card from American Express please visit this page.

¹When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
²When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.