Wisconsin Cheeseman Credit review | finder.com

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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 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
Apply now

The basics

This line of credit can be used at Wisconsin Cheeseman, a mail-order company that sells cheeses, spreads, meats, snacks and more. Depending on your purchase APR, this could be very useful if you plan on carrying a balance. Just be sure to check the terms and fees if you’re approved for a credit account.

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
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
17.15% to 25.15% variable
Earn 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and travel and 1% on all other purchases.
29.99% fixed
Build your credit history with low monthly payments.
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier

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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