If Meijer is your go-to for groceries, gas, and pretty much everything else, their store card probably catches your eye at checkout. The promise of fuel savings and bonus mPerks points is tempting. So how good is the Meijer credit card really, and is it the right move for your wallet and your credit? Here is the breakdown, with rates verified against Citi's disclosure.
| Issuer | Citibank, N.A. |
| Network | Store card is closed-loop (Meijer only); Meijer Mastercard is open-loop |
| Annual fee | None |
| Purchase APR | 33.24% variable (Meijer/Citi disclosure 12/16/2025) |
| Foreign transaction fee | Charged on purchases in foreign currency |
| Late fee | $30, then $41 within 6 billing cycles |
| Cash advance | $10 or 5%, whichever is greater |
| Rewards | $10 per $750 spent (~1.33%); 10 mPerks pts/$1 at Meijer; +10 cents/gal fuel |
| Welcome bonus | $50 statement-credit offer may apply (changes; confirm at Meijer) |
| Financing | Deferred-interest promotions available |
| Typical credit limit | Reported ~$1,000 starting, average around $3,000 |
| Credit score | Typically 700+ (good) |
| Reports to | Experian, TransUnion, Equifax |
What the Meijer Credit Card Is
The Meijer credit card program is issued by Citibank and comes in two versions. There is a closed-loop store card that works only at Meijer, and a Meijer Mastercard that works anywhere Mastercard is accepted. Both report to all three major credit bureaus.
That difference matters. The store version is built for loyal Meijer shoppers, while the Mastercard version can act more like an everyday card while still earning Meijer rewards.
Fuel savings and mPerks
The standout perk is at the pump. As of June 2026, cardholders save an extra 10 cents per gallon on top of their mPerks fuel discount when they pay with the card at Meijer gas stations, and that discount stacks with your mPerks fuel rewards. You also earn 10 mPerks points per $1 spent at Meijer, plus 1,000 points per qualifying prescription. One thing to watch: mPerks points expire 90 days after they are earned, so use them.
How the Rewards Add Up
Beyond mPerks, the card pays a $10 reward for every $750 you spend on it, which works out to roughly 1.33% back. If Meijer is where you shop most weeks, that reward plus the stacked fuel savings can be meaningful over a year. If you only stop in occasionally, the value shrinks fast, and the points expiring at 90 days means casual shoppers can lose them before redeeming. New cardholders may also see a sign-up offer such as a $50 statement credit; these change, so confirm the live offer at Meijer.
What the Meijer Credit Card Costs
The perks come with high interest. As of June 2026, the Meijer/Citi disclosure (dated 12/16/2025) lists a variable purchase APR of 33.24%, which moves with the Prime Rate. APRs vary by creditworthiness.
That rate is steep enough that carrying a balance can quietly undo your fuel savings and rewards. There is no annual fee, but note that the store card does charge a foreign transaction fee on purchases made in a foreign currency, a cash advance costs $10 or 5% (whichever is greater), and a late payment can run $30 (then $41 on another late payment within six billing cycles). The interest is the real cost to watch. Deferred-interest financing promotions are also available; if you do not pay the promo balance in full by the end of the period, interest is charged back to the purchase date. Terms and conditions apply.
Approval and credit limit
Store cards are often easier to qualify for than premium rewards cards, but Citi reportedly looks for good credit, typically a 700 or higher score, for the Meijer card. Applying is a hard inquiry. Reported starting limits commonly begin around $1,000, with an average closer to $3,000 for stronger profiles; these are community-reported figures, so your offer depends on your full credit profile. The Mastercard version usually needs a slightly stronger profile than the store-only card.
Credit-Building Cards You Can Use Anywhere
If your bigger goal is stronger credit rather than Meijer perks, a dedicated credit-building card you can use everywhere often beats a store-focused one, because it gives the bureaus a broader view of your habits.
The Self Visa Credit Card is one of the simplest ways to build that history. It is backed by your own savings, reports to all three bureaus, and has high approval odds, which makes it a fit if approval is your worry.
Want a card you can use anywhere while you build, not just at one store? The Aspire Mastercard is unsecured with no security deposit, accepts 580+ FICO, reports to all three bureaus, and pays up to 3% cash back, so you can use it everywhere Mastercard is accepted.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Who the Meijer Credit Card Fits
The Meijer credit card makes the most sense for frequent Meijer shoppers who fill up at Meijer gas stations and pay their balance in full each month. Used that way, the 10-cent fuel discount and mPerks points are real value, and the high 33.24% APR never touches you. If you fuel up at many different stations rather than just Meijer, a broader gas rewards card like the Costco Anywhere Visa may earn you more.
It fits less well if you carry balances or shop at Meijer only now and then. In those cases, the 33.24% interest can outweigh the perks, and the 90-day point expiry can cost you rewards. For a credit foundation you can use everywhere, look first at a card like the Self Visa Credit Card or the Aspire Mastercard, and track your progress for free with Creditship.ai.
Frequently Asked Questions
What fuel savings does the Meijer credit card offer?
As of June 2026, cardholders save an extra 10 cents per gallon on top of their mPerks fuel discount when paying with the card at Meijer gas stations, and the two stack. You also earn 10 mPerks points per $1 at Meijer. Points expire 90 days after they are earned.
What is the difference between the store card and the Mastercard?
The Meijer store card is closed-loop and works only at Meijer, while the Meijer Mastercard works anywhere Mastercard is accepted. The Mastercard version usually requires a slightly stronger credit profile. Both earn Meijer rewards and report to all three major bureaus.
What is the APR on the Meijer credit card?
The Meijer/Citi disclosure dated 12/16/2025 lists a variable purchase APR of 33.24% that moves with the Prime Rate. There is no annual fee, but a late payment can run $30 (then $41 within six billing cycles), a cash advance costs $10 or 5%, and the store card charges a foreign transaction fee. APRs vary by creditworthiness.
What credit score and limit do I need for the Meijer card?
Citi typically looks for good credit, reported around a 700 score, and applying is a hard pull. Reported starting limits commonly begin near $1,000, with an average closer to $3,000 for stronger profiles. These are community-reported figures. If approval is your worry, a credit-builder card like the Self Visa Credit Card or Aspire Mastercard may be an easier start.
