One of the best features about the BJ's card is that you do earn points on every dollar you spend. Because this is a Visa card, you accumulate points even when you shop at places other than BJ's. When you get to a certain amount of points, between 3000 and 5000, you get a BJ's gift certificate. This always comes in handy.
Even though the card does have your BJ's membership number on it, it can be used anywhere that takes Visa too. I would not recommend this card to anyone that does not shop at BJ's because then the incentives are useless.
Overall, my interest rates aren't too high with this card and I can honestly say that I've never had any problems with the card. I did once call customer service for something and I was treated very nicely and did not have to wait very long for a representative.
I would recommend this card to anyone who does shop at BJ's. The rewards are a great incentive and it is very easy meet the points goals if you are a regular shopper at BJ's because they double the points you earn if you shop there. This is a great credit card to have!… show more