BJ’s Credit Card

You might consider a BJ's Credit Card if you're a company member. These cards offer 3% cash back in a choice category (like dining, entertainment, and popular streaming services) plus 1% on everything else.

BJ’s Credit Cards are a bit sparse, but that doesn’t mean you won’t find one that fits your needs. Currently, the company has two co-branded store cards and offers a rewards card not affiliated with its namesake warehouse clubs. Both the BJ’s One and the BJ’s One+ Mastercard offer competitive rewards on purchases at the chain. However, you must have a Club+ membership to qualify for the higher rewards. The cards also limit your earnings on certain categories, making them less valuable than general cash-back cards.

You’ll need a good credit score to qualify for the BJ’s credit cards. A score of 700 or higher will make you more likely to be approved. Other important factors include income, debt load, and recent credit inquiries.

The BJ’s Elite Benefits credit card has a higher annual fee than the Perks Plus credit card but offers more generous rewards. If you frequently shop at BJ’s, the card may be worth paying the extra cost for its benefits. However, opting for a different card might be better if you don’t regularly go to the store or fill up at its gas stations. The cards are also a bit pricey in terms of membership fees.

What Credit Score is Needed for a BJ's Card
BJ's Credit Card 1

What Credit Score is Needed for a BJ’s Card?

There is no official credit score minimum for the BJ’s One Mastercard or BJ’s One Plus Mastercard, but both cards are issued by Capital One and require good to excellent credit. These cards also have no foreign transaction fees, which is a big deal for travelers. Capital One also recommends that applicants not have filed for bankruptcy within the past five years or fallen more than 30 days behind on a debt payment in the last year.

The credit card company will assign a specific credit limit to the cardholder, and they can change it at any time based on their analysis of your spending and repayment habits. You can increase your credit limit over time by using the card responsibly and paying off the balance in full each month.

The card’s rewards include 2% cash back at BJ’s and 1% at all other stores that accept Mastercard. This is an impressive rate for a store card, but it can be easily beaten by cards that offer 2% cash back on gas station and restaurant purchases and 1% on everything else. The card does have a membership fee, and it’s not the best choice for frequent shoppers who want to save on gas or earn broader rewards. It does have a convenient online dashboard that can be used to monitor account activity.

How Do I Pay My BJ's Mastercard
BJ's Credit Card 2

How Do I Pay My BJ’s Mastercard?

The easiest way to pay for a BJ’s Mastercard is online through the card issuer’s website or mobile app. You can also make a payment over the phone by calling the number on the back of your card. You can also use a variety of other methods to make payments, such as cash, debit cards, checks, and Sam’s Club gift cards. It is important to remember that only official communications from the card issuer will be sent to you regarding your BJ’s credit card.

To log in to your account on the BJ’s website, you will need to know your member ID and password. You can also click on the ‘Forgot User ID or Password’ link and follow the instructions to reset your password. Once you have logged in, you can manage your account by visiting the “My Account” tab.

The BJ’s credit card is issued by Comenity Capital Bank and is designed for shoppers who want to earn rewards on their purchases. It has a low annual fee and a 0% introductory APR for six months. It offers 2% cash back on BJ’s purchases and a 10-cent per gallon discount on gas at the retailer. It also has no cap on rewards and does not expire. However, if you are looking for a card that provides higher rewards rates or is better for building credit, many other options are available.

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