BJ's Credit Card ReviewsReviews, rates, fees and rewards details for the BJ's Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate$40 initial rewards bonusNo foreign feeOne-time feesNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
Info about BJ's Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR375Reviews43Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Earn $60 in rewards when you open and use the card.
Earn 6% back in rewards on purchases of grills, patio sets and structures in-club at BJ’s front-end registers, on BJs.com, or in the BJ’s app. Offer valid 5/16/23 – 5/30/23.
3% back in rewards on most purchases at BJ’s.
1.5% back in rewards on purchases everywhere else Mastercard® is accepted.
Your rewards never expire. Redeem your rewards in-club, on BJs.com or in the BJ’s app.
The BJ’s Credit Card, also known as the BJ’s One Mastercard, naturally offers its best rewards on BJ’s purchases, yielding the equivalent of 3% cash back on most items. That’s not quite up to par with the 5% back you’ll get from the best... show more
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The easiest way you can pay your BJ's Credit Card is either online or through the issuer's mobile app. Alternatively, you can make a payment over the phone, by calling the number you see on the back of your card, via mail or through payment providers. You cannot pay your BJ's Credit Card in-store. The issuer also allows you to set up automatic payments.
Here's how you can pay your BJ's Credit Card:
Online: To make a BJ's Credit Card payment online, log in to your account using your credentials.
Over the phone: If you prefer to pay your BJ's Credit Card bill over the phone, call customer service at the number you see on the back of your card.
Through the mobile app: Download the issuer's mobile app for iOS and Android and log in using the same credentials you use for your online account.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to the following addresses:
Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083
Overnight address: Capital One Attn: Payment Processing 6125 Lakeview Rd Suite 800 Charlotte, NC 28269
Through payment providers: To pay your bill through payment providers like Western Union and MoneyGram, you will need your account number. Some providers accept cash payments only, while others accept debit cards, too.
If you choose to make a payment via regular mail, make sure to always send it at least 5-7 days before your due date. Include your credit card number on your payment, too, in order to avoid any processing delays.
The easiest way you can apply for the BJ's Credit Card is online. You will first have to fill in your BJ's Membership Number, as you need to be a BJ's member to apply for this card. Then, you will be asked to enter your personal, contact, and financial information.
Your BJ's Credit Card approval odds are high if you have good credit or better (a credit score of 700+). The issuer will also take into consideration your annual income and existing debts.
It's also worth noting that, in order to get approved for the BJ's Credit Card, you have to be 18+...
You can reach the BJ's Credit Card customer service over the phone at (844) 202-9570. When prompted to enter either your card number or Social Security number, say “I don't have it” and you will be connected to a live representative. Representatives are available 24 hours a day, seven days a week.
The interest rate on a BJ's Credit Card is 19.74% - 29.74% (V). The actual rate depends on various factors like your income, credit history and existing debt. The card's regular interest rate is variable, which means that it can change based on certain economic conditions.
Comenity Bank typically pulls reports from all three major credit bureaus when evaluating new credit card applications. Please let us know if you have any other questions.
Share your insights and review the BJ's Credit Card
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18%
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3.2
375 reviews
375 reviews
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Jin Ma @jin_cn
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1 Star Rating
I got this card in April of 2023. I used it for two weeks and accumulated $39 of rewards. Then the nightmare started. CapitalOne keeps sending me the verification message for every transaction. Even though I replied 'yes, it's correct', they still restricted my card and I was embarrassed when transaction didn't go through. Later, I was not able to collect the reward $. But they were able to charge me interest. I eventually paid all balances and closed the account. Nightmare was over
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Lori @auby4463
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1 Star Rating
Verified Customer
This account was transferred to Capital One is February. Comenity will not help me even though it is still showing up on my credit report
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nycskye @nycskye
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1 Star Rating
45 Minutes on the phone trying to activate the card send pictures of my drivers license twice they wouldn’t send me a link to my phone for verification all because I applied online so the card was on hold due to the fact I applied online terrible service close the account without ever having the card opened I will never use capital one banking or credit services again after this experience
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Linda Tolbert @lktolbert
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1 Star Rating
I finally became so frustrated by this credit card provider's poor customer service that I called BJ's to cancel my club membership. I decided to keep my membership only after the BJ's representative informed me that BJ's soon would be changing their store card to Capital One, and my experience with other Capital One cards has been excellent.
There were multiple unpleasant customer-NO-service experiences with Comenity over the years, but the final straw was when after years of consistently paying on time and in full, I paid late because I didn't receive my December 2022 bill. The phone representative (from India who spoke nearly unintelligible English) basically implied I was a liar and refused to waive the late fee for even a first offense.
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Brenda Harmon @Harmonba11
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1 Star Rating
My experience has been awful and has had a negative impact on my credit. I never received the card. 10-13-22.. 1/20/23. 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 didn’t do and they transferred me to customer service. Spoke with customer service & told them I don’t charge renewals to a card I never received. Never received replacement card. Now 1/20/23 Found out BJ Mastercard showing on credit report I owe $147 late fees on card I have never had and did not receive replacement card either and they refuse to correct issue with credit bureau.(Worse Customer Service) There has never been any charge on this BJ Mastercard card since it has never been in my possession since I never received it. Customer Service had the nerve to ask me do I want them to send me a RePlacement Card. (Never). There has never been a negative issue of any kind on my credit report in 30 years until dealing with BJ on their BJMastercard that has never been in my possession. B Harmon
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richard @richardcurtis341
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1 Star Rating
Verified Customer
The cash awards are not properly calculated. I paid the balance of $402 in July 2022 and have not charged anything since. They are still showing $402 balance on credit reports.
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Allen @allent9
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1 Star Rating
Verified Customer
Hasn't properly reported my balance to credit bureaus in six months. Have submitted disputes after talking to them multiple times.
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Suzy Smith @suzyszoo63_ss
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1 Star Rating
This is THE WORST customer Service. Currently, over 4 months (and counting) of trying to remove a fraudulent charge on this card. Meanwhile, I'm harassed daily for pmnt while they hit my credit report for THEIR mistake! Late fees and interest being assessed too! Can't get any help from BJ's either. I can't wait until this gets resolved (if it ever does without a lawsuit) I'm cancelling immediately! My FICO went from near 800 to 750's now due to this fiasco! Capital One has the new contract with BJ's as the new Credit Issuer, it begins in 2023, but I'm not trusting BJ's anymore either! BEWARE..if I could write this with a ZERO stars I would!!!!!
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Ron Texera @bowtex
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5 Star Rating
Verified Customer
saves on gas, has my bjs customer number on it, savings on other things, im not sure what I'm supposed to say about a credit card - it has a nice color
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Marcia Conover @marciaconover11
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1 Star Rating
We opened our BJ's credit card account just before hurricane Ian. I had autopay all set up but through a glitch in their system, our autopay did not go through. They even admitted that there was a glitch in their system. 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. This is unheard of for people with outstanding credit. We canceled out credit card and will opening a Sam's credit card instead. It is the worst most unprofessional service I have ever encountered! If I could have given this card a zero star I certainly would have.
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