Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Monroe & Main Credit review

Last updated:  

Use this revolving line of credit to pay off items in up to 47 months.

  • Get this credit if you often shop at Monroe & Main.
  • Pick something else if you want a line of credit you can use at other stores.
  • Apply with a poor to fair credit score of 300 or higher.


Annual fee

5.75% to 25.99%

Purchase APR (fixed)


Recommended credit score


Annual fee$0
Welcome OfferN/A
Purchase APR5.75% to 25.99% fixed
Balance transfer APRN/A
Recommended minimum credit score300
IssuerStore card

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Monroe & Main Credit is a shopping card with a $0 annual fee and a fixed purchase APR of 5.75% to 25.99% depending on your creditworthiness. Though you won’t pay anything to get started, you won’t earn rewards.

After you’re approved, you can browse the catalog for clothing, shoes, handbags, accessories and jewelry. Your revolving line of credit lets you purchase items at the store and pay them off in up to 47 months with monthly payments as low as $20. With timely payments, you can get a credit line increase.

To apply for the credit, select items to purchase and proceed to checkout. You can either choose to sign up for a Monroe & Main account or check out as a guest.

The perks

  • No annual fee. You don’t have to pay anything to get Monroe & Main Credit.
  • Low monthly payments. Depending on your balance, you can get a minimum of $20 monthly payment.
  • Quick approval. It may take up to 24 hours to get your approval. Monroe & Main will reach out should they require any additional information.

You’ll also like

  • Build your buying power. Increase your credit line with timely payments.
  • Balance payment options. You can pay your balance by signing up online at the Monroe & Main website; by phone at 800-810-7412 or by mail at Monroe & Main, PO Box 2839, Monroe, WI 53566-8038.

What to watch out for

  • High cost for long-term credit. If you have a large balance with 47 months to pay it off, you’ll often pay the highest cost. For example, a balance of $1,800 with 47 monthly payments of $60 could end up costing you a total of $2,820. But a balance of $200 with 12-month payments of $20 will cost you $240.
  • No rewards. Many other credit cards offer rewards such as cash back, points or miles.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Costco Anywhere Visa® Card by Citi
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Sam's Club® Mastercard®
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Principal Platinum Card
N/A fixed
A store card with a $750 credit line for use at Horizon Outlet.

Compare up to 4 providers

Bottom line

Monroe & Main shoppers may find good use for the Monroe & Main Credit. The credit will allow you to pay your balance in up to 47 months with low monthly payments. However, since paying your balance on time won’t improve your credit score, you might want to consider other options.

If you want a revolving line of credit to use at specific stores, check out other store cards and compare your options.

Frequently asked questions


Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site