Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the BJ's Credit Card is online, and you can get to the online application by going directly to Capital One’s website. Alternatively, you can apply by phone or in store.
Keep in mind that the BJ's Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it’s good to know what your chances are before applying. You can check your credit score for free here on WalletHub.
Ways to Apply for the BJ's Credit Card
- Online: Applying online is the fastest and most straightforward way. You can do that through Capital One’s website. You will then need to fill in your personal and financial information.
- By Phone: Call the number listed on the Capital One’s website and follow the prompts to get connected with a customer service representative. You will then be guided through the application process.
- In Store: Visit a local BJ's store and let a representative know that you would like to apply for the BJ's Credit Card. Then, fill out the application with your personal and financial info.
How to Apply for the BJ's Credit Card Online
- Go to the application page on Capital One’s website.
- Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
- Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
- Fill in the requested financial information such as your income, sources of income, employment status and housing status.
- Authorize Capital One to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
- Double check to make sure the application is complete and all the information is accurate.
- Submit the application.
Once you’ve submitted your BJ's Credit Card application, you may receive a decision right away. However, it can take Capital One up to 10 days to reach a decision. If approved, you’ll get your new card in the mail within 7 to 10 business days.
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