2 - There is no cap to the amount you can earn on eligible purchases, and your BJs One Mastercard rewards are yours for the life of the account they will not expire. You cannot pay your BJ's Credit Card in store. Get a FREE Credit Evaluation from Credit Saint Today! BEWARE..if I could write this with a ZERO stars I would!!!!! The card's regular interest rate is variable, meaning it can change based on certain economic conditions. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). Other than BJ's Brewhouse and BJ and the Bear there aren't any other famous BJ's except for maybe dare I say BJ THOMAS? ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. If your account was converted to Capital One, you can now activate your new BJ's One Mastercard and reenroll in online banking by visiting BJs.capitalone.com. Account information is locked in with the embedded chip. ; If you are not logged in, you will be prompted to do so. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); EDITORIAL DISCLOSURE:Opinions expressed here are authors alone, not those of any bank, credit card issuer, hotel, airline, or other entity. You can find travel rewards credit cards, auto cards, medical cards and even an insurance credit card that allows you to earn rewards while paying for your coverage. BJ's Wholesale Club is a membership-based warehouse club, similar to Costco or Sam's Club, that . That depends mostly on your shopping habits. Store credit cards charge some of the highest interest rates, and credit limits are typically on the lower side. Minimum eligible purchase amount $10 at BJs checkout. Further information is available in our FICO Data Privacy Policy. The easiest way to apply for a credit card from Comenity Bank is to do so online. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. A credit limit is the maximum balance youre allowed to carry on your BJs credit card. Your must have a minimum rewards balance of $10 to redeem, and the eligible purchase to which the rewards are applied must be at least $10 at BJs checkout and greater than or equal to the reward redemption amount. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. My BJ's Perks Mastercard and My BJ's Perks World Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 4 BJs One Credit Card holders earn 1.5% back in rewards on purchases made outside of BJs with their BJs One Credit Card, minus any returns, refunds or credit adjustments. Get unlimited free credit scores & reports. Box 71087, Charlotte, NC 28272-1083. I call it double jeopardy. Fee is prorated based on primary members membership expiration date at time of the addition. Other things to know about the BJ's Credit Card approval process: If you get approved for the BJ's Credit Card, you should receive your card within 7-10 business days. Credit card account must be in good standing. Mastercard is a registered trademark, and the circles design is a trademark with Mastercard International Incorporated. 5 BJs One+ Credit Card holders earn 5% back in rewards on eligible purchases of goods and services in-club at BJs front-end registers, on BJs.com or in the BJs app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJs One+ Credit Card. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Alternatively, you can contact customer service by emailor mail. Credit card offers are subject to credit approval. My mum got her card that way back in 2016 and it was a very good card for rewards if you buy bj's a lot as some time theywill have extra "x" % back for differenttimes in the year. * A new BJ's One+ Mastercard Credit Card will automatically be mailed to you. The 5% back is tied to My BJ's Perks program and dispersed in $20 increments. All Rights Reserved. All purchases made using your BJ's One Mastercard. See your first billing statement from Capital One for more information. These vouchers can be used at BJs Wholesale Club or on the BJs website. Pay via phone by calling 844-202-9570 for the BJs One Credit Card or BJs One+ Credit Card; the BJs Business Elite Credit Card phone number is 844-217-6927. When youre selective about the credit cards you apply for and utilize, you can maintain financial health and use these retail credit cards to benefit you. In terms of a rewards structure, youll earn 5 percent back on Ikea purchases, 3 percent back on dining, grocery stores and utility purchases and 1 percent back on everything else. Offer valid for first time members only, and excludes Business members, trial members, online-only members, team members and vendor members. - Estimate only. I can open up 2 secured cards with BOA and TD at $5000 each and have a banking relationship with each of them as well with large checking account balances. All other purchases earn 1% cash back. - Estimate only. 2. So, get it straight. Youll be able to make payments, set up paperless statements, add an authorized user and more. Chip cards are the newest standard for payment security in the U.S. You can usually raise your credit scoreby paying bills on time, addressing your debt, and reviewing your credit report for errors. BJ's Perks Plus MasterCard Credit Card Offer Get all the details of BJ's Perks Plus MasterCard including APR, annual fee, reward points, so you can apply for the right card today. Accumulated earnings remain in your program earnings balance until they are added to your program rewards balance when your BJ's One Mastercard billing statement issues each month, provided your credit card account is in good standing. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. To sweeten the deal, cardholders also get 10 cents off every gallon of gas they charge at BJs Gas locations. Effective February 27th your My BJ's Perks World for Business Credit Card account may have been converted to Capital One. All BJs memberships are subject to BJs current membership terms, ask in-club or go to BJs.com/terms. Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? What's the interest rate on a BJ's Credit Card? Proven chip technology better protects youand your data. Can't get any help from BJ's either. We want to update this site based on what we hear from you, though you may not hear back directly from us. To respond to a Costco Credit . However, youll earn the most rewards when you make purchases at BJs Wholesale Club and online at BJs.com. LEARN MORE. 3% back in rewards on most purchases at BJs. My BJ's Perks Mastercard Credit Card - Welcome to Chip Cards! Being pre-approved means the issuer sent you an offer, while pre-qualification usually means you checked your approval odds through the issuer's website. Our offers do not represent all credit card companies and deals available. When considering a card, see the issuer's online application for official details about terms and conditions. APRs may vary depending on your credit background and current interest rates. Theres also a $25 Ikea reward dollars bonus when you spend $500 or more outside of Ikea, Traemand and TaskRabbit within the first 90 days of account opening. To qualify for a BJs Perks credit card, you must have a credit scorethats considered good, or at least 700. You can now begin earning rewards under the new program, and any unexpired awards have converted to rewards. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Can't find what you are looking for? Any thoughts on the impact chapter 7 bankruptcy would have on a comenity bank approval? Enjoy your same great benefits, now with added security. Welcome to Chip Cards! If your account was converted to Capital One, you can now activate your new BJ's One Mastercard and reenroll in online banking by visiting BJs.capitalone.com. When you click on I'm on the waitlist for X1 and I only get the prequalified offer for FNBO Secured but haven't read much about graduation process which is why I've set myself up for BOA and TD. If I use another credit or debit card, cash or check for my purchase instead of my BJ's One Mastercard, Can I add authorized users to my BJ's One Mastercard, Do Not Sell or Share My Personal Information, To pay online, you can download the Capital One Mobile app by visiting the Google Play or Apple App Store, or you can also head to. They need to fix this . Credit card offers are subject to credit approval. This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. Your balance and any promotional offers have converted automatically. We canceled out credit card and will opening a Sam's credit card instead. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Credit card offers are subject to credit approval. Reasonable efforts are made If you cancel your membership or it expires and you continue to make purchases on your BJs Perks credit card, a non-member surchargethats 20% of your in-club purchases and/or $5 per each online transaction applies. It also gives you the right to receive the . * For a limited time, members within their first year of membership will receive $40 in rewards when they apply and are approved for a new BJ's One or BJ's One+ Credit Card. 4. The company can change your credit limit at any time based on your habits as a borrower. While you dont receive a true cashback match with the card, you earn 3% cash back on most BJs purchases with the BJs Perks Plus card and 5% cash back on most BJs purchases with the BJs Perks Elite card. 3 Receive an instant discount of 10 off each gallon of fuel at BJs Gas when you use your BJs One Credit Card to pay for your fuel purchase and scan the associated membership card.