Using the BJs credit card, you earn 5% back on most in-store and online purchases at BJs.com, and you don't need a membership for online orders. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. 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. An APR of 26.99% for balance transfers and an additional $10 or 5% of the . My BJ's Perks Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Dan Rafter You need a good credit score (in the 660-719 range) in order to get approved for this card. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. The mailing address will also be on your BJs One Credit Card, BJs One+ Credit Card, or BJs Business Elite Credit Card billing statement, as applicable. 4. What does the BJ stand for? But retailers typically arent the ones issuing their cards, even if their names are on them. All authorized users on the BJ's One Mastercard. Enter your login email and password, and click Sign In. Save $0.10 per gallon at BJ's Gas every day. * A new BJ's One+ Mastercard Credit Card will automatically be mailed to you. Effective February 27th your My BJ's Perks World for Business Credit Card account may have been converted to Capital One. To figure out whether you should apply for a BJ's credit card, here are the most valuable perks you'll get. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. 2008 2023 Ziff Davis, LLC, a Ziff Davis company. Alternatively, you can send your payments via mail. - Estimate only. Follow the prompts and only remove your card once the transaction is complete. Mastercard is a registered trademark, and the circles design is a trademark with Mastercard International Incorporated. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. card tier. @CYBERSAM- the OP won't be eligible for the Chase Amazon CC if there's a presence of BK on reports, especially if they were included in BK. * A new BJ's One+ Mastercard Credit Card will automatically be mailed to you. Never the less, they shut down our card and would not allow us access to our account or to use our credit card until the next billing cycle even though I paid the entire balance once it was brought to my attention. Click through the link below to fill out an application. Start and complete the application form fill-out. However, its important to keep in mind how your credit score is affectedif you open numerous credit card accounts, especially if you maintain high balances on these cards. CreditCards.com is an independent, advertising-supported comparison service. However, we may receive compensation when you click on links to products from our partners. There's no annual fee associated with the BJ's Perks credit card. They never update your balance, I don't owe the high amount stated. Must contact BJ's Member Care at 800-BJS-CLUB to request cash back in the form of a check prior to Award expiration. BJ's Online Card Application The only bank that you have the right to apply for Bj's Credit Card on its platform and get it directly issued to you is Comenity Bank. on the FAQ page for details on more ways to pay your bill: https://bjsone.capitalone.com/faq. There is credit card bill payment information for people who already have a credit card for BJ's. BJS Card Login Or Official Support. 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. FThey automatically renewed my membership on a card I never received, when I finally received a bill and called them, I was told collection would take off the late fee of $15 which they didnt do and they transferred me to customer service. Effective February 27th your My BJ's Perks Mastercard Credit Card account may have been converted to Capital One. ; You will land on the "My Membership" page. It is the worst most unprofessional service I have ever encountered! Email? Its time to activate your card and set up your online account if you havent already. All Rights Reserved. Once you have received your first statement from Capital One, you should mail payments to Capital One at the address listed on the payment coupon. Register? See if youre pre-approved with no risk to your credit score. has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. 3 - BJs One Credit Card holders earn 1.5% back and BJs One+ Credit Card holders earn 2% back in rewards on purchases made outside of BJs with their BJs One or BJs One+ Credit Card, minus any returns, refunds or credit adjustments. You probably thought of a card branded with the name of a big retailer such as Ikea, Big Lots or BJs, right? If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. A credit limit is the maximum balance youre allowed to carry on your BJs credit card. Offer subject to change at any time without notice. Comenity Capital Bank and BJ's teamed up and offered a credit card to all BJ customers. My FICO went from near 800 to 750's now due to this fiasco! Keeping in mind my BK Ch7 was fully discharged in Mar. The next level of protection is here! A store credit card can be a way to build your credit. Plus, now they never expire.11 You may experience a slight delay in viewing your rewards in the Capital One Mobile app, in your online account and on your statements after your account transfers on 2/24/23. If your already AU on this card then probably not worth another membership fee! All BJs memberships are subject to BJs current membership terms, ask in-club or go to BJs.com/terms. Your rewards vouchers expire six months after the issue date. Any one-time scheduled future-dated payments may not have been transferred, so be sure to check your new account if you had scheduled a future-dated payment. Effective February 27th your My BJ's Perks Mastercard Credit Card account may have been converted to Capital One. You cannot pay your BJ's Credit Card in store. Alcoholic beverages, cigarettes or tobacco-related products, lottery tickets, gift cards, propane, gasoline, BJ's Member Services (such as BJ's Auto Buying Program , cellular phone services, BJ's Optical Department . Review the BJ's Credit Card 's Terms & Conditions and hit "Submit Application." Our offers do not represent all credit card companies and deals available. But if Comenity does offer a card connected to one of your favorite stores, that card might make sense. Stay up-to-date on the latest credit card news from product reviews to credit advice with our newsletter in your inbox twice a week. Please let us know if you have any other questions. 12 Must have a minimum balance of $10 in rewards to redeem. Add your monthly expenses to see your estimated yearly rewards earnings. Information is displayed first and foremost to help consumers make better decisions. In addition to the rewards you receive for shopping at BJs, you also earn 2% cash back when you dine at restaurants or purchase gas at non-BJs gas stations. I really don't mind using a HP if it means I would get approved. Offer subject to change at any time without notice. Best Pre-approved Credit Cards for 2023 FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Actual rewards earnings will be determined in accordance with the full rewards terms and conditions at bjs.com/bjsoneterms and bjs.com/terms. Accuracy, independence and authority remain as key principles of our editorial guidelines. Enjoy your same great benefits, now with added security. Visit our FAQ page for even more information. So, get it straight. If you were enrolled in the BJs Easy Renewal program, this has transferred to your new card, and your current membership fee for all memberships on your account, plus any applicable membership add-ons and tax, will be automatically billed to your new card on the first of the month in which your membership expires.13 Eligible membership credits will also transfer. FTC's website on credit. Popup? Get unlimited free credit scores & reports. 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. Click through the link below to fill out an application. Check for all the latest updates including all features, fees, rates, services, etc. 4 - Receive an instant discount of 10 o each gallon of fuel at BJ's Gas when you use your BJs One Credit Card or 15 o each gallon of fuel at BJ's Gas when you use your BJs One+ Credit Card to pay for your fuel purchase and scan the associated membership card. Alternatively, you can contact customer service by emailor mail. This way, you arent susceptible to the high APR or late payment penalty fees. Your credit cards journey is officially underway. FAQ's about BJ's Credit Card . ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Currently, over 4 months (and counting) of trying to remove a fraudulent charge on this card. * 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. Credit card account must be in good standing. You lost a good customer. related to the BJ Credit Card. Learning more about the terms and conditions of the card, as well as the rewards program and other perks, can help you decide if this credit card is right for you. Please let us know if you notice any differences. BJs Login Steps Guide However, all credit card information is presented without warranty. Purchases at BJs clubs, BJs Gas, BJs.com, BJs app, and B2B and BJs Global Sales transactions are not outside of BJs.. Any thoughts on the impact chapter 7 bankruptcy would have on a comenity bank approval? Box 71087, Charlotte, NC 28272-1087 with your Capital One account information until you receive your first billing statement from Capital One. Enrollment required. All rights reserved. By building healthy credit with the BJs card, you can increase your credit score, add a positive account to your credit history, and take advantage of the rewards program offered by the store. My CL was not shown..I will get my card in 10 business days. Credit card offers are subject to credit approval. 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. Box 71087, Charlotte, NC 28272-1083. How to register an account online and activate a new card? What's This Charge On My Credit Card Statement? Actual rewards earnings will be determined in accordance with the full rewards terms and conditions at bjs.com/bjsoneterms and bjs.com/terms. When you purchase gas at a BJs Wholesale Club using your BJs credit card, you receive a 10 cent discount per gallon. Replacing the BJ's Perks Plus Mastercard Credit Card, Replacing the BJ's Perks Elite Mastercard Credit Card, Replacing both the BJ's Business Perks Plus Mastercard and BJ's Business Perks Elite Mastercard. 6 Receive an instant discount of 15 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. Most credit card offers require very good credit. I'd like to know. That's what I figured. BJ's One Mastercard Replacing the BJ's Perks Plus Mastercard Credit Card 3% back in rewards on most BJ's purchases 2 10 off/gal. So, when applying for new credit, it's essential to know your credit scores and what's on your credit reports. 2021 and have both checking and saving with them and there's a substantially large balance sitting on the checking untouched since. Bye bye BJs MasterCard and BJs. What are the details regarding using my rewards? Frequent shoppers at wholesale club BJs can earn cash back quickly with the BJs Perks Elite Mastercard Credit Card. Check the data at the top of this page and the bank's website for the most current information. When considering a card, see the issuer's online application for official details about terms and conditions. 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. Heres a few non-retail Comenity card offerings: Comenity offers plenty of retail cards, but how do you choose the right one for you? Swipe If you arent a frequent shopper at a specific retailer, it probably doesnt make sense to apply for a card from it. I currently have 2 cards Cap1 QS $5500 and Cap1 Plat $3300. Reasonable efforts are made We don't have BJ's in Texas, I think it's mainly in the East Coast from what i've heard of i'm not impressed besides if they were that outstanding they would expanded outside of their region by now much like Costco has. I've seen members report Comenity approvals less than 6 months after a BK7 discharge which infers they don't have an immutable autodenial policy if a BK is reporting (at least, as long if they were not IIB). How do you keep my data collected through the credit card application process safe? Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Chip Lupo, Credit Card Writer. Late fees and interest being assessed too! What does the BJ stand for? Spend tracking with major credit card issuers, What you need to know about instant use credit cards, See more As a basic cardmember, youll earn 5 percent back for purchases made at Victorias Secret and Pink, 2 percent back on dining, travel and streaming services and 1 percent on all other purchases. Privacy Policy. Your BJs Perks credit card can be used at any store as a regular credit card. Excludes upgrades and downgrades. I don't have a Capital One online account. The mailing address will also be on your BJs One Credit Card, BJs One+ Credit Card, or BJs Business Elite Credit Card billing statement, as applicable. Offers.com is among the federally registered trademarks of Ziff Davis and may not be used by third parties without explicit written permission. Before you apply for a Comenity Bank credit card, though, be sure its a good option for you. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. 2. Forgot Username or Password? WalletHub is an independent comparison service. All Rights Reserved. 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. Insert Insert the embedded chip card end of your card into the bottom slot of the chip-enabled terminal. So, click on the Apply Now button below the credit card description. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one daywhen she has enough points, that is. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. Big-name retailers offer credit cards that provide in-store benefits for dedicated shoppers. Some credit card issuers specialize in retail credit cards, and Comenity Bank is one of the biggest. Type your date of birth, income, and contact information. When you click on Many factors affect your FICO Scores and the interest rates you may receive. / Util. Only BJ's Wholesale Club members can apply. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session. Interestingly, you can apply for the card, create online access, and log in at the same platform. Your web browser (Internet Explorer) is out of date and no longer supported. Earn 3% cash back on most in-Club and BJs.com purchases1, Earn 2% cash back on dining out and non-BJ's gas purchases2, Earn 1% cash back everywhere else Mastercard, You can use your awards in-Club or on BJs.com in $10 increments. ALL RIGHTS RESERVED. The homepage will appear. 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. To use this card to your advantage, ensure you thoroughly understand the following credit card characteristics: If youre a BJs Warehouse Club member and you visit the store frequently, you may find it beneficial to use a BJs credit card for your purchases. Privacy Policy. FTC's website on credit. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. All cardmembers who are eligible to receive one should have a card shipped by February 27, but it may arrive by March 9. Financial Lessons for Kids: Can You Use a Kid's Credit Card To Build Credit? What's the interest rate on a BJ's Credit Card? See BJs.com/BJsOneTerms for information on excluded services. To qualify for a BJs Perks credit card, you must have a credit scorethats considered good, or at least 700. Box 71087, Charlotte, NC 28272-1083. You must provide your contact information and membership number. If you rarely shop at a retailer, it doesnt make sense to apply for the Comenity card connected to it no matter how valuable that cards rewards program might be. You cannot apply for the BJ's Credit Card over the phone. Store credit cards charge some of the highest interest rates, and credit limits are typically on the lower side. credit card paid off in September 2022 and bjs not reporting it. Predicting an outcome if you applied is an inexact science but if you were hoping to get a $5K+ approval I don't think that is a likely outcome. However, the perks are great and I shop there alot. Do you by chance have any data points for her approval? CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. If you are mailing in your monthly payments, those can be mailed to Capital One, P.O. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. Keep an eye on your inboxwell be sending over your first message soon. Redeem your rewards in-club, on BJs.com or in the BJs app. Account information is locked in with the embedded chip. Several major credit card issuers offer convenient tools for doing just that, and can help you make smart choices about budgeting, saving and long-term financial planning. Cash back is in the form of electronic Awards issued in $10 increments that are used at checkout at BJ's and expire six months from the date issued. I finally became so frustrated by this credit card provider's poor customer service that I called BJ's to cancel my club membership. Enjoy your same great benefits, now with added security. All purchases made using your BJ's One Mastercard. All BJ's One Mastercard cardholders must use their BJ's One Mastercard credit card in the applicable purchase transaction in order to earn on their purchases, as more fully set forth in the BJ's One Mastercard Program Rewards Terms (see BJs.com/bjsoneterms). To obtain a BJs Perks Plus or Elite Mastercard, you must be an active BJs Warehouse Club member. Comenity Bank might not be a name you hear much, but this major credit card issuer is behind many store credit cards on the market today. When purchasing gasoline at BJs gas stations, the card touts a discount of 10 cents per gallon and 5% rewards on BJs purchases. If you spend more than your credit limit allows, you still owe the entire balance. You can usually raise your credit scoreby paying bills on time, addressing your debt, and reviewing your credit report for errors. LEARN MORE. How do I make a payment on my BJ's One Mastercard. If you want to understand where your money is going, you need to track your spending. Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? Pre-approved and pre-qualified credit card offers both indicate that a potential applicant is likely to be approved, but they are used in slightly different situations. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. See BJs.com/bjsoneterms for information on excluded services. Comenity Bank typically pulls reports from all three major credit bureaus when evaluating new credit card applications. 8 BJs Business Elite 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 Business Elite Credit Card. 1 - BJs One Credit Card holders earn 3% back and 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 or BJs One+ Credit Card. Valid one time only. The information, including card rates and fees, presented in the review is accurate as of the date of the review. 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. 4 - Receive an instant discount of 10 o each gallon of fuel at BJ's Gas when you use your BJ's One Credit Card or 15 o each gallon of fuel at BJ's Gas when you use your BJ's One+ Credit . Current BJs Mastercard Cardholders can securely sign in and manage their card accounts online through the Bjs Mastercard Login portal.The information below will also help you pay your bills, such as the credit card customer service number, payment mailing address, or billing phone number. Please note that rewards cannot be used on certain purchases at BJ's, such as in-club purchases of exempted items restricted by law or regulation; shipping; sales taxes; bottle deposits; alcoholic beverages; cigarettes or tobacco-related products; lottery tickets; gift cards; propane; gasoline; BJs member Services (such as BJs Auto Buying Program. 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. Which credit bureau is checked? Upon approval, you receive information on the terms, conditions, and credit limit that applies to your card. For full rewards terms and conditions, please see BJs.com/bjsoneterms and BJs.com/terms. When I first read it, well. http://www.bjs.com/webapp/wcs/stores/servlet/CobrandedPerk?catalogId=10201&langId=-1&storeId=10201&k What did you think the BJ meant? When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Further information is available in our FICO Data Privacy Policy. To start, youll get $25 off the first purchase you make with your card at either Victorias Secret or Pink. If you cant get enough of Ikeas furniture or its Swedish meatballs you might consider applying for Comenitys Ikea Visa credit card. That mailing address may be different from above, but be assured this will get to the right place. BJ's Gas purchases are not eligible purchases and do not earn rewards. * Plus state and local taxes where applicable. The homepage will appear. That mailing address may be different from above, but be assured this will get to the right place. Card advice Authorized users are allowed to purchase on the primary cardholders account, sharing a credit card and membership number. If you're . 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. Get a FREE Credit Evaluation from Credit Saint Today! How to Apply for the BJ's Credit Card Online Visit the BJ's Credit Card webpage and click on "Apply Now." Enter your BJ's membership number, as well as your first and last name and click the "Continue" button. Excludes upgrades and downgrades. No, the Costco Credit Card doesn't have pre-approval. Once you activate the new BJ's One+ Mastercard Credit Card, your BJs One Mastercard Credit Card will be deactivated. Eligibility Criteria for Prospective Card members Application, Bjs Perks is a fantastic credit card with outstanding benefits. Also BJs portfolio is moving to CapOne probably as soon as early summer! Many factors affect your FICO Scores and the interest rates you may receive. 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. When you receive the card and activate it, you can begin using it for purchases and as your new membership card. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions.
