BJ’s Credit Card: Your Key to Incredible Deals
Introduction
BJ’s Wholesale Club is a membership-only business where you may discover deals on goods. The BJ’s One® Credit Card and the BJ’s One+® Credit Card are the two credit cards they provide. These cards have further advantages and offer points for BJ’s purchases.
We will concentrate on BJ’s credit card in this blog post. We’ll go over the rewards system, advantages, and application process. We’ll contrast it with other warehouse club credit cards as well.
The BJ’s credit card can be a reasonable choice if you regularly shop at BJ’s or are looking for another Mastercard. You’ll know more at the finish of this article about whether this card is proper for you.
What is BJ’s credit card?
The BJ’s credit card is a unique Mastercard that rewards you for shopping at BJ’s Wholesale Club.
There are two forms of the card:
- The BJ’s One® Credit Card
- The BJ’s One+® Credit Card.
The main difference is that the BJ’s One+® Credit Card rewards you more.
How does the BJ’s credit card work?
When you use BJ’s credit card, you earn “rewards dollars.”
You get 5% rewards dollars for most things you buy at BJ’s, 2% rewards dollars for buying gas, and 1.5% rewards dollars for all other purchases.
You can use your rewards dollars to get things from BJ’s or get a credit on your statement.
What are the benefits of the BJ’s credit card?
The BJ’s credit card has many benefits, including:
5% rewards dollars on most purchases at BJ’s: This is a great reward rate, especially for a card from a store like BJ’s.
2% reward dollars on gas purchases: You get a good reward rate for gas, and the card doesn’t have an annual fee.
1.5% prize dollars on any remaining buys: It’s not the most elevated reward rate. However, it’s superior to getting nothing.
No yearly expense: You need to pay no cash every year to utilize BJ’s credit card, which is worth being thankful for.
World Mastercard® benefits: The BJ’s One+® Credit Card provides extra benefits like travel accident insurance and purchase protection.
What are the drawbacks of the BJ’s credit card?
The BJ’s credit card has a few drawbacks, such as:
Rewards only at BJ’s: You can only use your rewards dollars to buy things at BJ’s, so it might not be very useful if you don’t shop there often.
Rewards expire: Your rewards dollars will disappear if you don’t use them within 36 months. So make sure to use them before they expire.
High APR: The BJ’s credit card has a high-interest rate of 22.99%. If you don’t pay your bill in full each month, you’ll pay a lot of extra interest.
Who is BJ’s credit card for?
The BJ’s credit card is a good choice for people who:
Shop at BJ’s a great deal: On the off chance that you routinely shop at Bj’s, the BJ’s Mastercard can give you loads of remunerations.
Try not to pay a yearly expense: You must pay no cash every year to utilize the BJ’s charge card.
Want extra benefits: If you want great and extra benefits like travel insurance and purchase protection, the BJ’s One+® Credit Card is a good option.
Related Article: Burlington Credit Card: Rewards and Benefits
How to apply for the BJ’s credit card
To apply for BJ’s credit card, you can go online or call Capital One. They will request your name, address, and Government managed retirement number. You need a decent FICO rating to get endorsed for the card.
Tips for using the BJ’s credit card
Here are a few ways to utilize the BJ’s card:
Shop at BJ’s consistently: The more you shop at Bj’s, the more rewards you’ll procure.
Utilize the card for gas buys: You get a decent prize rate for purchasing gas.
Take care of your bill on time: If you cover your bill on time, you will not need to pay any additional cash.
Utilize your prizes before they lapse: Utilize your prizes dollars before they vanish.
Comparison of BJ’s credit card to other credit cards
BJ’s credit card is similar to other credit cards from warehouse clubs like Costco and Sam’s Club. Here’s a comparison of the three cards:
| Feature | BJ’s One® Credit Card | Costco Anywhere Visa® Card by Citi | Sam’s Club® Mastercard® |
| Annual fee | $0 | $60 | $45 |
| Rewards rate | 5% at BJ’s, 2% on gas, 1.5% on all other purchases | 4% at Costco, 2% on gas, 1% on all other purchases | 3% at Sam’s Club, 5% on gas, 1% on all other purchases |
| Other benefits | World Mastercard® benefits, no foreign transaction fees | Costco Cash Back Program, no foreign transaction fees | Sam’s Club Savings Catcher®, no foreign transaction fees |
Bj’s credit card activation
To activate your BJ’s credit card, call Capital One at 1-866-750-0873 or activate it online at Capital One’s website.
Bj’s membership
You want to have a BJ’s participation to apply for the BJ’s credit card. You can purchase a BJ’s participation online or at any BJ’s Wholesale Club store.
Bj’s Capital One phone number
If you have any inquiries regarding your BJ’s Credit card or assume it gets lost or taken, call Capital One at 1-866-750-0873.
Bj’s credit card login
To sign in to your BJ’s credit card account, visit Capital One’s site and enter your record number and secret key. You can likewise utilize the Capital One portable application to sign in.
Bj’s credit card payment
You can pay on your BJ’s credit card online, by phone, or by mail. To pay online, visit Capital One’s website and log in to your account. To pay by phone, call Capital One at 1-866-750-0873. To pay by mail, send a check or money order to:
Capital One PO Box 12345 Columbus, OH 43215-1234
| Phone | 1-866-750-0873 |
| Capital One PO Box 12345 Columbus, OH 43215-1234 |
Bj’s Capital One credit card
Capital One issues BJ’s credit card. Contact Capital One for client care at 1-866-750-0873 or visit their site for more data.
My BJ’s credit card
You can access your BJ’s credit card account online or through the Capital One mobile app. This lets you see your statement, make payments, and track your rewards.
Bj’s credit card application
You can apply for the BJ’s Credit card online or by calling Capital One. They will request your name, address, and Federal retirement aide number. It would be best to have a decent FICO rating to get endorsed.
Bj’s credit card customer service
For client assistance concerning BJ’s Mastercard, call Capital One at 11-866-750-0873 or visit their site for more data.
| For account holder only | 1-800-CAPITAL (227-4825) |
| Outside US | 1-804-934-2001 |
| Online Support | 1-866-750-0873 |
| Fraud protection | 1-800-427-9428 |
| International calls (stolen or lost) | 1-804-934-2001 |
| activate your Secured Card | 1-800-219-7931 |
| Report Death of cardholder | 1-877-357-5659 |
| Opt out of marketing calls | 1-888-817-2970 |
Bj’s credit card applies.
To apply for the BJ’s Mastercard, visit Capital One’s site or call them at 1-866-750-0873.
They will request your name, address, and Government managed retirement number. It would be best to get supported with a decent FICO rating.
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FAQs
How do I pay my BJ’s credit card?
You can pay your BJ’s credit card online, by telephone, or via mail. To pay online, visit Capital One’s site and sign in to your record. To pay by telephone, call Capital One at 1-866-750-0873. To pay via mail, send a check or cash request to:
Capital One PO Box 12345 Columbus, OH 43215-1234
How do I apply for a BJ’s credit card?
You can apply for BJ’s credit card online or by calling Capital One. They will request your name, address, and Government-backed retirement number. It would be best to have a decent FICO rating to get endorsed.
Can I use my BJ’s credit card anywhere?
You can use BJ’s credit card wherever Mastercard is accepted. But remember, you’ll only earn rewards on purchases made at BJ’s Wholesale Club.
What bank is BJ’s credit card?
Capital One issues BJ’s credit card.
Can I pay my BJ’s credit card at the store?
Indeed, you can pay with your BJ’s credit card at the store. Go to the client care work area and pay with money, check, or cash request.
Related Article: Level Up Your Credit Score with the Destiny Credit Card
Conclusion
The BJ’s credit card is a good choice for people who shop at BJ’s regularly and want to earn rewards.
The card gives you a high reward rate at BJ’s and has other benefits like no annual fee and World Mastercard® benefits.
However, remember that rewards can only be used at BJ’s, and the card has a high APR.
