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Wisconsin Cheeseman® Credit

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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 25.99%

Purchase APR (fixed)


Recommended credit score


Product NameWisconsin Cheeseman® 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 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 25.99% 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

Card benefits

  • 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%.
  • 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 25.99% 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.

How to apply for the Wisconsin Cheeseman Credit

  1. visit the Wisconsin Cheesman website and find the Wisconsin Cheeseman Credit on the page.
  2. Start shopping.
  3. At checkout, select Create a Wisconsin Cheeseman® Credit Account.
  4. Read and accept the terms and conditions.
  5. Submit your order.

What credit score do I need?

You can apply with a poor credit score of 300 or higher.

Compare store credit cards

Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
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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

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