How to pay your Menards bill online, by phone, or by mail
You can pay your Menards credit card bill through their online portal, by phone, or by mailing a check. The fastest method is logging into your account at menards.com and making a payment directly — it takes a few minutes and posts within one business day. If you prefer to call, Menards customer service can process a payment over the phone. Mailing a check works too, but allow extra time for it to arrive and be processed.
Your payment due date appears on your monthly statement and in your online account. Menards charges interest on any balance you carry, so paying in full by the due date saves you money. If you miss the due date, a late fee applies and your interest rate may increase.
Key Takeaways
- Log into menards.com, select your account, and choose "Make a Payment" to pay online in minutes.
- Call the customer service number on the back of your card to pay by phone with a debit card or bank account.
- Mail a check to the address listed on your statement at least 10 days before your due date to account for delivery time.
- Paying your full balance by the due date avoids interest charges and late fees.
- Set up automatic payments from your bank account if you want the same amount deducted each month.
Paying online through your Menards account
Go to menards.com and sign in with your username and password. If you don't have an online account yet, you can create one by entering your card number and other identifying information. Once you're logged in, look for "Account" or "My Account" in the top menu, then select "Make a Payment" or "Pay My Bill".
Enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method — you can use a debit card, a different credit card, or a bank account. Review the details and confirm. The payment posts to your account within one business day, though it may show as pending when ready.
Keep your confirmation number for your records. Menards will also send you an email receipt if you have email on file with your account.
Paying by phone
Call the number on the back of your Menards credit card. A representative will ask for your card number, the amount you want to pay, and your payment method. You can pay with a debit card or by giving your bank account and routing number for an electronic transfer.
Phone payments are processed the same day you call and typically post within one business day. The representative will give you a confirmation number — write it down. There is no fee for paying by phone.
Paying by mail
Write a check payable to Menards and include your account number on the check. Mail it to the address printed on your statement under "Payment Address" or "Make Checks Payable To". Do not send cash.
Mail payments take 7 to 10 business days to arrive, so send your check at least 10 days before your due date. Menards will not receive it in time if you mail it closer to the important date. Once Menards receives and processes your check, it posts to your account, usually within 2 to 3 business days after arrival.
Setting up automatic payments
Automatic payments deduct the same amount from your bank account on the same day each month. Log into menards.com, go to your account settings, and look for "Automatic Payments" or "Autopay". Enter your bank account number and routing number, choose the day of the month you want the payment to come out, and select the amount.
You can set autopay to deduct your full statement balance, your minimum payment, or a fixed amount you choose. You can change or cancel autopay anytime through your account. If you cancel, make sure you have another way to pay so your bill doesn't fall behind.
What to do if you miss a payment
If your payment is late, Menards charges a late fee and reports the missed payment to credit bureaus, which can lower your credit score. The sooner you pay after the due date, the better. Log into your account or call customer service to make a payment right away.
If you're having trouble making your payment, contact Menards customer service to discuss your options. Some cardholders can work out a payment plan, though this depends on your account history and the amount owed.
Understanding your statement and due date
Your Menards statement shows your opening balance, all purchases and credits from the past month, your new balance, your minimum payment, and your due date. The due date is usually 21 to 25 days after your statement closes. If your due date falls on a weekend or holiday, Menards typically moves it to the next business day.
Interest starts accruing on any balance you don't pay in full. The interest rate (called the APR, or annual percentage rate) is printed on your statement and in your online account. Paying your full balance each month means you pay no interest at all.
Frequently Asked Questions
How long does it take for my online payment to show up?
Online payments usually post within one business day. You'll see a confirmation number when ready after you submit, and the payment may show as pending in your account right away. If you pay before 11:59 p.m. on a business day, it typically posts the next day.
Can I pay my Menards bill with a different credit card?
Yes. When you pay online or by phone, you can use a debit card or a different credit card. You can also pay with a bank account transfer. You cannot pay with another Menards card.
What if I pay more than my balance?
If you overpay, Menards will hold the extra amount as a credit on your account. You can use it toward your next purchase or request a refund by calling customer service. The credit stays on your account until you use it or request it back.
Is there a fee for paying online or by phone?
No. Menards does not charge a fee for online or phone payments. Paying by mail is also free, though you pay for the postage stamp.
What happens if I only pay the minimum?
Paying only the minimum keeps your account in good standing, but you'll pay interest on the remaining balance. The interest adds up over time, especially if you carry a large balance. Paying more than the minimum reduces how much interest you owe.