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.

Wisconsin Cheeseman® Credit

Last updated:  

Use this credit line to purchase cheeses, spreads and more at Wisconsin Cheeseman.

  • Get this if you want to make payments over time for things bought at Wisconsin Cheeseman.
  • Pick something else if you want rewards or more features.
  • Apply if you have a poor to fair credit score of 300 and above.


Annual fee

5.75% to 23.99%

Purchase APR (fixed)


Recommended credit score


Product NameWisconsin Cheeseman® Credit
Annual fee$0
Purchase APR5.75% to 23.99% 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 and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

This is a line of credit you can use at Wisconsin Cheeseman, a mail-order company that sells cheeses, spreads, meats, snacks and more. It has a $0 annual fee, and you may receive a purchase APR as low as 5.75% fixed. On the downside, you may receive a purchase APR as high as 23.99% fixed if you have poor credit.

This account is most useful if you receive a very low APR and plan on paying off purchases over a long period of time. You won’t receive rewards, however. If this is important to you, consider a strong flat-rate card such as the PayPal Cashback Mastercard®.

Apply now

The perks

  • No annual fee.
    You won’t pay anything to have access to this line of credit.
  • Payments as low as $10 a month.
    Your minimum monthly payment depends on your highest new balance. If the balance is $75 or below, your minimum payment will be $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 payment will be 3.34% of it.
  • Purchase APR as low as 5.75% variable.
    With this interest rate, this credit account can be a better choice than credit cards, which have an average APR of 17%.

You’ll also like

  • Credit application typically approved within 24 hours.
    You may be able to use your credit line relatively quickly.

What to watch out for

  • Purchase APR as high as 23.99% variable.
    This is a high rate, but not unheard of. You’re more likely to get an APR close to this if you have poorer credit.
  • No rewards.
    With many other credit cards, you could earn rewards such as cash back, points or miles.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
QuadPay Visa Card
Split your purchases into four installments over six weeks interest-free using your virtual card in the QuadPay app.
Target REDcard™ Credit Card
24.4% variable
A no-annual-fee credit card and discounts when you shop at Target.
WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Montgomery Ward Credit
5.75% to 25.99% fixed
This no-annual-fee store card offers a potentially low APR and low minimum payments for purchases made at the Montgomery Ward online store.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.

Compare up to 4 providers

Bottom line

Consider this credit line if you’re a frequent customer of Wisconsin Cheeseman and want a potentially low purchase APR.
If you rarely shop at Wisconsin Cheeseman, consider another credit card with perks that better suit your spending needs, like a cashback 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