kwik trip credit card benefits

Kwik Rewards 17+

Kwik trip inc.

• 4.8 • 241.9K Ratings

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Description.

Free rewards just for shopping at Kwik Trip or Kwik Star! Download the app to start saving today on every purchase with the Kwik Rewards app! Scan your digital card through the app to start earning: Free Food & Merchandise Each visit gets you closer to your 15th visit free reward! Discounts on Fuel Get cents off fuel discounts when buying qualifying in-store items. Digital Punchcards Use your rewards card to track and earn rewards on the items you buy most. Exclusive Coupons Add coupons to your card, discounts apply automatically after the transactions has completed.

Version 3.29.0

• This maintenance release includes improvements to user experience and performance throughout the app.

Ratings and Reviews

241.9K Ratings

HOW CAN YOU LOVE A GAS STATION?

Right - it’s generally like a ‘63 Chevy on a -15 day in January. Yes, a non-starter. Not even a possibility. But Kwik Trip is not your ordinary pull in and gas up and getaway place. If you don’t develop a strong desire for the Cinnamon Rolls or the Great Cream Dream Dunkers you probably can’t ever get by the Captcha “I’m not a Robot” tests. And even more addictive are the 2 or3 piece baked chicken pieces. I can feel my car pulling in all on its own whenever I drive near a KT - so I have a hard time choosing a route where I don’t have to fight the steering wheel. I’m sure if Col. Sanders had lived, he’d prefer the KT chicken to any bucket of his own. He knew good chicken and KT might have send him down a whole different cuisine cruise. Anyone for K Fried Gator? Then there’s also the whole range of stuffed breakfast buns and biscuits and croissants, and hot cheesy sticks and - not to mention lunch options. And yes, even the gas is good. Real good. Top tier s by tuff. My cars all like it, even the fancy German one that demands “Premium” . Made me feel good when I saw a guy in a McLaren filling up one day. (And I swear he walked out with a box of Dunkers too!) Anyway / to answer my question - Yes, it IS possible. Actually - it’s LIKELY once you pull in and try one. If that scares you - well that’s OK. Just keep going to those places that specialize in air fresheners and 25cent air machines. See you next time?

I love that there are many Kwik trips near me and when I am traveling in the Midwest. Here are some of my favorite things. First, I love that I can buy quick or Kwik grocery items without going to a grocery store. If I stop to get gas on my way home and need some item to make dinner, it’s easy. If I don’t feel like making dinner there are options for that. Although I’ve never done this, my friend calls ahead and has hot food or pizza made for pickup. Second, I am very judgy about clean bathrooms and Kwik trip always has clean ones or an option to notify staff if there is an issue. Third, free air. That is so thoughtful in my opinion. It makes me more loyal to Kwik trip because they are there for me when my car signals low tire pressure. It’s a brilliant way to have people stop at a Kwik trip. Kudos to the person who thought of that. Finally, I love how friendly the staff is. Always willing to be helpful and make good suggestions. They always say see you next time and I laugh to myself “if only you know how often I’m here “. #kwiktriplove

As once a customer and now an employee at the Kwik Trip in Cameron, all I can say is, WOW! The other Employees were all very welcoming of the new trainee, the guests were always or almost happy with their purchases. Those who weren’t we addressed the issue and made ways to amend the issue or situation on hand. The kitchen staff that I work with all are understanding of the learning disability I have and have done a tremendous amount of work and through many new ways of help in this area of which I struggle the employees have been such great help to me, I would HIGHLY recommend stopping and if in the area do some shopping at this fine convenient establishment. Prices on their products is very reasonable, plus the bosses I work under are both very understanding if I need to make an appointment, something comes up, or I.E something else, but within a 24 hr. notice

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The developer, Kwik Trip Inc , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

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Pump Price and Margin Both Drop

3 separate groups file petitions against epa’s ban on new gas cars, ev charging availability increasingly important to younger convenience-store consumers, hybrid vehicles could bridge the gap between evs and consumer trepidation, benefits of choosing the right fuel partner — and what to look for, kwik trip fuel promotion tied to 30th anniversary of its credit card.

Kwik Trip, the La Crosse, Wisconsin-based convenience-store chain, is tying a new fuel promotion to the 30th anniversary of its own credit card, the Kwik Card.

“As part of the celebration, we’re having specials throughout the month of June, including a one-time 30-cents-per-gallon fuel discount for all Kwik Rewards Plus card members,” the company said. “We’re also giving away an awesome canoe from Redfeather Outdoors, and you can earn one entry when purchasing fuel with Kwik Rewards+ or two entries when purchasing in-store.”

• Kwik Trip is  No. 12   on  CSP’s  2024 Top 40 Updat e  to the  2023 Top 20 2  ranking of U.S. c-store chains by store count. Watch for the full 2024 Top 202 ranking in the June issue of CSP magazine and in CSP Daily News.

When Kwik Card was released in 1994, there were only two types of cards, consumer and business, Kwik Trip said.

“They were one in the same with no Kwik Rewards, but there was a rebate program when you used the Kwik Card,” said Kwik Trip, which also has a baseball promotion running through the end of June.  “You would receive your 10% discount in the form of a rebate check that you in turn could use at Kwik Trip for all your gas and grocery needs.”

In 1994, Kwik Trip employed 3,083 co-workers and operated 250 stores—and the national average gas price was $1.11, the company said. Today, it employs more than 39,000 and has more than 850 stores in six states.

Kwik Trip was just named the  best gas station brand  in the United States for the  fifth year in a row , according to the 2024 USA Today 10Best Readers’ Choice Awards. The family-owned company serves customers in Illinois, Iowa, Michigan, Minnesota, South Dakota and Wisconsin. Kwik Trip has about 850 locations and is one of the biggest independently held c-store chains in the country. It produces more than 80% of the products sold in its stores, supplied by its own bakery, commissary, dairy and distribution center.

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Chuck Ulie is foodservice editor for CSP.

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10 Benefits of Having a Menards Credit Card

Repairing your credit is something that can take years to do, so having a credit card that will actually help you through that process and still have significant advantages while using it makes your life that much easier. The Menards credit card is exactly that – and more. If you have heard any criticisms about the card they are likely from people who have been rejected, which are in the minority. Read on to see the list of benefits.

1. It’s a no-nonsense card.

People who have below average credit cards are often offered advantages such as cash advances and the ability to use the card while traveling internationally. Most people with solid credit don’t travel internationally. With the Menards card you get a card to be used for buying the necessities at any Menards store and you can fill up your gas tank at any Kwik-Trip and several other regionally served gas station brands. Those home improvement projects don’t have to wait until your credit score opens the door for a bank loan.

2. No annual fee.

Credit cards that have an annual fee are usually debt traps waiting to snap your wallet closed so they have access to your hard earned money, not you. When you think of paying an annual fee of $100 that ends up with you paying $8 a month just for having the card, even if you don’t use it. If you max out your credit limit, it is still like paying $8 a month except you can’t use the card.

3. At any Menards store you can buy gift cards.

This may seem like a small advantage – except when you need to buy a last minute gift for a birthday or special occasion and are strapped for cash. Since the Menards card does not allow cash advances, the Menards gift card is the next best thing to solve those last minute or unexpected giving events.

4. A deferred interest payment plan.

Their terms are no interest is charged to your account if the purchase amount is paid in full within 6 months on purchases of a minimum of $299. But you don’t have to buy a single item worth $299 or higher; you can buy a number of items that totals $299 or higher.

5. Variable Intro APR.

Unlike so many credit cards that target people with below average credit ratings, the Menards card rewards people who have worked to get to the point where they deserve better terms on a new credit card. The purchase intro APR is variable, between 0% - 3.99%. They also have a variable time frame for how long you will get that APR: between 6 and 48 months.

6. Rebate receipts.

When you use your Menards card at a Kwik Trip or other authorized brand gas station, you get a 1% rebate. But instead of an immediate credit you get a rebate receipt. You can mail these in and Menards will send you a check back. The best way to use these rebate receipts is to collect them for a month or so, then mail them in for a larger check. It’s always nice to get a check in the mail, and oftentimes the money comes in just at the right time.

7. You can use it like a bank loan.

While you can’t get cash advances from the card, you can still use it like a bank loan for larger home improvement projects. Other credit cards will give you the promotional rate, then hit you later with a huge interest rate charge. This is often missed by cardholders because you notice your monthly payment has gone up but can’t figure out why. By then it is too late. Because of the way Menards has set up their promotional interest rates, you can buy what you need and have the same interest rate for the duration of the loan.

8. Great customer service.

One of the most common things you will find on reviews of the Menards card is their great customer service . Some people overlook this feature of a credit card – until they run into a problem. All you have to do to look at why customer service is a critical part of a business is to look at why Amazon.com is so popular.

9. A $10 cash bonus after you make your first charge of $100.

When was the last time anyone gave you a 10% cash bonus just for using the card? That is what Menards does by putting a $10 bill in your hand after your first purchase. If you found a $10 bill on the sidewalk, would you pick it up?

10. Cashback rewards.

You earn between 1 and 2 percent cashback on your purchases (gas purchases are 1%) which means if you use your card wisely it can reap you significant benefits over the year. Many of the competitor’s cards don’t even give you a 1% reward.

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Business Plus Mastercard®

The Kwik Trip Mastercard® for business fleets offers an advanced feature set with customized controls, competitive rebates, and expanded fueling convenience which makes the program an ideal choice for small and large businesses alike.

Card Benefits

Never worry about searching for diesel or gas with the Kwik Trip Business Plus Mastercard ® , a premium fleet card accepted at over 160,000 gas stations nationwide.

Earn 5% off on Kwik Trip and Kwik Star gasoline fuel purchases

for the first 60 days in addition to the ongoing 3 cents per gallon rebate when you fuel within the Kwik Trip Network 1

Save 10% 2 on most in-store purchases within the Kwik Trip network

160,000 gas stations

accepted everywhere Mastercard® is accepted

Easy-to-use expense reporting

Monitor employee spending in real-time

Card controls

control when, where and how cards are used

Manage your account online in real-time 

Universal Acceptance

You’ll never search for fuel locations because you can use it everywhere Mastercard® is accepted.

Control Your Business

Track driver habits and help limit misuse to grow your bottom line.

Save on Fuel & Maintenance

Kwik Trip has a comprehensive set of offerings to help you save.

Talk to a fleet specialist

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1 New accounts will earn a 5% rebate on gasoline purchases made at Kwik Trip or Kwik Star locations for the first 60 days after account setup. Not valid on off-road diesel, aviation, bulk fuel, propane or natural gas purchases. Rebates will not apply to returns or chargebacks. To receive rebates, invoice must be paid in full and on time. The 3 cent rebate is subject to change beginning 12 months after account set-up.

2 Kwik Trip, Inc reserves the right to exclude certain items from the 10% in-store purchase discount subject to state law minimum mark-up requirements, or which are otherwise prohibited by law from earning such discounts. Examples of products subject to mandatory minimum mark-up requirements include, but are not limited to, cigarettes, Lotto, lottery tickets, and gift cards.

Please see Client Agreement - at   www.kwiktripfleet.com/terms/kwiktrip-mc  for rate, fee and other cost and payment information. 

The Kwik Trip Business Plus Mastercard ® is issued by Fifth Third Bank, N.A. or another financial institution, pursuant to a license by Mastercard ® International Incorporated. Mastercard ® is a registered trademark, and the circles design is a trademark of Mastercard ® International Incorporated.

• Introduction to credit card travel insurance and standalone travel insurance
• What are credit card travel protections?
• What is travel insurance?
• Credit card travel protection vs. standalone travel insurance
• Frequently asked questions

Credit Card Travel Insurance vs Travel Insurance: A Comparative Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel insurance and some credit cards can protect you from financial loss while traveling.
• Travel insurance offers more comprehensive coverage that includes emergency medical expenses.
• Credit card travel protection has more gaps but comes at no additional cost for cardholders.

Anything can happen while traveling. Flight delays, lost luggage, or even unexpected injury or illness can interrupt your vacation. When these things occur, travel insurance or the travel protections included with your premium credit card may be able to help, providing medical coverage, offsetting your financial losses, or even reimbursing you fully.

But do you need both travel insurance and credit card travel protections? Here are details on both and tips for deciding what the best travel insurance is for you.

Introduction to credit card travel insurance and stand-alone travel insurance

Many credit cards offer travel protections that can help you in certain unexpected travel situations. But they aren't exactly the same as a separate travel insurance policy.

Here's how the two differ at a high level:

• Travel insurance:  Travel insurance is coverage that you purchase for a single trip or multiple trips in a year. It typically covers the costs associated with trip cancellation, trip delays, medical emergencies, and other unforeseen events that may occur while traveling.
• Credit card travel protections:  These are benefits automatically included with certain consumer credit cards. They often provide coverage for delays, lost baggage, rental car collisions, and other events during travel. Credit cards sometimes advertise these protections as a type of travel insurance, though they're not a separate insurance policy.

Generally speaking, designated travel insurance is more exhaustive than the protections offered by a credit card. Still, it's worth it to compare both options, particularly if you're taking an expensive trip. 

"It is always wise to check your credit card protection against a travel insurance plan," says Carol Mueller, a vice president at Berkshire Hathaway Travel Protection . "Credit card protection may not include the full, bundled, comprehensive coverage a travel insurance plan would."

What is credit card travel insurance ?

Many premium credit cards offer travel protections to cardholders, but the exact coverages depend on the credit card. Typically, only trips booked with that card qualify for coverage.

"Credit card travel insurance has one big advantage that interests travelers: it's usually free or included in the card's annual fee," says Daniel Durazo, director of external communications at Allianz Travel Insurance , a travel insurance provider. "Credit cards' travel benefits can be useful for smaller things, like travel delays or lost bags, but only travel insurance provides reliable protection in real emergencies, like expensive medical emergencies such as hospital visits and evacuations."

In some cases, however, a credit card may cover catastrophic accidents. The Chase Sapphire Reserve, for example, offers up to $1,000,000 worth of coverage for an accident that causes loss of life, speech, hearing, or use of a hand, among other life-altering injuries.

Additionally, credit card coverage limits tend to be much lower. The Chase Sapphire Reserve® offers up to $20,000 per trip in cancellation coverage, while a basic travel insurance plan from Travel Guard offers five times as much coverage.

Pros and cons of credit card travel protection

What is stand-alone travel insurance .

Travel insurance protects you from financial losses related to travel. "There are three main areas of coverage: protecting yourself, protecting your personal items, and protecting your investment," says Christina Tunnah, general manager of Americas and global marketing at World Nomads Travel Insurance , a travel insurance and safety services provider.

Travel insurance works much like any other insurance policy. When a covered event occurs, like your trip is canceled or you're hurt while traveling, you file a claim with your insurer. If accepted, the company reimburses you for the costs up to your coverage limits.

"Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of Lugos Travel, a travel advisory. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

Travel insurance customers typically have 90 days to file their claim. But once the event occurs, there's no waiting period, meaning travelers should file as soon as possible.

A major factor when filing a successful claim is proof of financial loss. You can use something as simple as a medical clinic receipt or a doctor's medical statement. Once the claim has been reviewed and approved, your insurer will reimburse you via check. Some modern travel insurance companies offer immediate payment via a debit card mailed to travelers before their trip.

Travel insurance providers go beyond your standard credit card or airline coverage. You can buy policies that cover sports equipment, medical, and other coverages. You can also buy Cancel for Any Reason insurance, which covers trip cancellations regardless of the reason. The best CFAR insurance can cover 100% of your costs, but many only cover a percentage. 

Buyers can also price out annual travel insurance plans , which cover all of your trips within a 12-month period. Meghan Walch, director of the InsureMyTrip website, estimates a 4% and 10% travel insurance cost based on your total prepaid, nonrefundable trip costs. If you're buying an annual policy, this figure will change.

Pros and cons of stand-alone travel insurance

Credit card travel protection vs. stand-alone travel insurance.

Deciding between stand-alone travel insurance and credit card travel protection can be difficult. That said, it's worth mentioning that these choices aren't mutually exclusive. Even if you have a credit card that provides travel protection, you can still opt for additional coverage with a stand-alone travel insurance policy.

Cost considerations

The obvious difference between credit card insurance and a stand-alone policy is the cost. While credit card insurance is usually included in the cost of the card, traditional travel insurance is an additional expense, usually between 5% to 6% of the trip's worth, though rates can range from 4% to 12%.

However, travel insurance may pay for itself, covering emergency medical expenses and evacuation."Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of travel advisory company Lugos Travel. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

On the other hand, credit card travel protections don't come at any additional costs. However, many of the best travel credit cards come with annual fees. Additionally, a credit card's travel protection only applies to trips you book with that credit card. If you don't pay off the credit card immediately, you'll pay interest on your trip. 

If you don't already have a credit card with travel insurance included, you'll also have to determine if the coverage is worth applying for a new credit card.

Comparing coverage and benefits

In most instances, traditional travel insurance policies will have more comprehensive coverage than credit card travel insurance. They'll cover more reasons for trip cancellation, and some may cover cancellations for no reason. They'll also cover medical emergencies, while credit card travel protections don't.

"Some travel insurance policies also provide epidemic coverage endorsements, which provide coverage to customers who become ill with COVID-19 or a future epidemic, are individually ordered to quarantine, or are denied boarding due to a suspected illness," says Durazo.

Separate travel insurance policies also tend to offer more robust cancellation coverage. Credit card protections often cap reimbursement at just $10,000 a trip, while travel insurance usually goes up to $100,000. Most credit cards will only cover trips purchased with the card or reward points.

Situations best suited for each

Both travel insurance and credit card protections can prove helpful if your trip is canceled or you experience some other loss while traveling, but the right choice will depend on the specifics of your exact trip and budget. "Every trip is different, and every traveler has different needs and concerns," Walch says. 

For example, travelers with more health concerns may opt for stand-alone travel insurance. Longer, more expensive, and international trips may also warrant greater coverage that credit card travel insurance can't provide. Additionally, it may be a good idea to insure trips to high-risk areas, either politically unstable regions or areas with inclement weather.

On the other hand, Walch says, "For a short trip to a family member's house in the US, the travel insurance offered through the credit card may suffice."

Credit card travel insurance comparison frequently asked questions

Credit card travel insurance may offer basic coverage for international trips, but it often lacks comprehensive medical coverage.

Yes, you can use both for the same trip. Stand-alone policies can supplement areas where credit card insurance is limited, such as medical coverage.

Most credit card travel insurance does not cover pre-existing medical conditions. Many stand-alone policies don't cover pre-existing conditions, but you may find some coverage with certain stipulations.

Credit card travel insurance is usually automatically activated when you pay for a trip using that card. However, it's important to read the card's policy for specific activation requirements.

While credit card travel insurance can be more cost-effective since it's a benefit of the card, it may not provide as comprehensive coverage as a stand-alone policy. In the long run, you may end up losing money if you solely rely on credit card travel insurance.

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