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Wisconsin Cheeseman® Credit

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.
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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
Minimum Credit Score300

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®.

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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.

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.

Compare store credit cards

Name Product Annual fee Purchase APR 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.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.

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

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