Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Tender Filet Credit review

Last updated:  

A credit account with a purchase APR as low as 5.75% fixed.


  • Get this credit account if you’re a frequent customer at The Tender Filet.
  • Pick something else if you don’t often make purchases at this mail-order company.
  • Apply if you have a poor to fair credit score of 300 or above.


Annual fee

5.75% to 25.99%

Purchase APR (fixed)


Recommended credit score


Product NameTender Filet Credit
Annual fee$0
Purchase APR5.75% to 25.99% fixed
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $15
Returned payment feeUp to $25

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

This is a line of credit you can use exclusively at Tender Filet Credit, a mail-order company that sells steaks, beef, poultry, seafood, snacks and other foods. It has a $0 annual fee and a fixed purchase APR of 5.75% to 25.99%. Note that you’re more likely to receive a lower interest rate if you have a strong FICO score.

While this credit account can be useful if you’re a frequent customer at Tender Filet Credit, it doesn’t offer rewards. If this is important to you, you might get more out of a flat-rate cashback card like the PayPal Cashback Mastercard®.

The perks

  • No annual fee.
    You won’t pay anything to have access to this credit account.
  • Purchase APR as low as 5.75% fixed.
    With excellent credit, you may qualify for a purchase APR close to this figure. A low interest rate can be useful if you want to pay for your purchases over time.
  • Payments as low as $10 a month.
    Each billing period, your minimum monthly payment varies by your highest new balance. With a highest new balance up to $75, you’ll have a minimum payment of $10. If it’s between $3,000 and $3,150, your minimum payment will be $105.If your highest new balance is over $3,150, your minimum monthly payment will be 3.34% of that balance.

Pro tip

Consider paying off your balance in full each month — especially if your account has a high purchase APR or you spend a lot at The Tender Filet. This will ensure you don’t accrue interest.

You’ll also like

  • Opportunity to receive a higher credit limit.
    You may receive a higher credit limit as you consistently make on-time payments.

What to watch out for

  • 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.
CardMatch™ from
See terms
See issuer's website
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Seventh Avenue Credit
5.75% to 25.99% fixed
Buy now, pay later with payments as low as $20 a month.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.
Horizon Gold
Up to $299.40
Get a $500 credit limit and no interest on purchases when you shop at the Horizon Outlet with this unsecured card.

Compare up to 4 providers

Bottom line

This credit account could be a good choice if you’re a frequent customer at The Tender Filet. Watch the interest rate you receive, and consider paying off your balance in full each month — especially if you get a high APR.

If you’re not sure this credit account is right for you, consider a cashback or travel credit card.

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