Enrollment required. More details on software and accessibility are available at WebAIM.org. How to Reach the BJ's Credit Card Customer Service. Content published under this author byline is generated using automation technology. How to Apply for the BJ's Credit Card Online Visit the BJ's Credit Card webpage and click on "Apply Now." Enter your BJ's membership number, as well as your first and last name and click the "Continue" button. More details on software and accessibility are available at WebAIM.org. Effective February 27th your My BJ's Perks Mastercard Credit Card account may have been converted to Capital One. 11 There is no cap to the amount you can earn on eligible purchases, and your BJs One, BJs One+, or BJs Business Elite rewards are yours for the life of the accountthey will not expire. * For a limited time, members within their first year of membership will receive $40 in rewards when they apply and are approved for a new BJ's One or BJ's One+ Credit Card. My BJ's Perks Mastercard Credit Card - Welcome to Chip Cards! Forgot Username or Password? Can't find what you are looking for? Should I consider this when I'm ready to apply in Aug? Learn more. Proven chip technology better protects youand your data. Account Alerts Apple Pay Apply APR & Fees Automatic Payments Bread Financial Card Lock/Unlock Cash Advance Comenity's EasyPay Disputes Dad's Info: FICO 8 Experian: 627, Credit Karma-Transunion 651; Equifax 656, CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. At the end of the day, such cards may only be a good choice for brand enthusiasts. 10 BJs Business Elite Credit Card holders earn 2% back in rewards on purchases made outside of BJs with their BJs Business Elite Credit Card, minus any returns, refunds or credit adjustments. I've been setting myself up for a PenFed approval for about a year now and I'm an authorized user on my wife's PRC that was just approved last week at $12.5K. Chip cards are the newest standard for payment security in the U.S. I call it double jeopardy. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. As part of a partnership with BJs Wholesale Club, Comenity Bank offers a BJs Perks Elite Mastercard. If you find yourself frequently visiting a specific store, it may be beneficial to sign up for one of these retail credit cards. They had my card sent to wrong place and there were unauthorized charged on it. 5 BJs One+ Credit Card holders earn 5% back in rewards on eligible purchases of goods and services in-club at BJs front-end registers, on BJs.com or in the BJs app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJs One+ Credit Card. The bank offers branded cards from several retailers, many that let you earn ongoing rewards. If I could have given this card a zero star I certainly would have. No, the Costco Credit Card doesn't have pre-approval. Tell me.. Search the card name, and find a link to the retailer site or Comenitys website. You cannot pay your BJ's Credit Card in store. When you click on Your balance and any promotional offers have converted automatically. Submit your question about BJ's Credit Card to our community. However, the perks are great and I shop there alot. 14 If for any reason your My BJs Perks Mastercard Account is not transferred to Capital One, Comenity Capital Bank will communicate with you as necessary to continue to administer and service your Account. Insert Insert the embedded chip card end of your card into the bottom slot of the chip-enabled terminal. How did it come? The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Actual rewards earnings will be determined in accordance with the full rewards terms and conditions at bjs.com/bjsoneterms and bjs.com/terms. Re: BJ's PreApproved to find out your credit limit go to and register for an online account (you dont need your account number / its a comenity system) https://d.comenity.net/bjs/public/onlineaccess/SignUp.xhtml Message 13 of 15 1 Kudo Bliss831 Regular Contributor 03-13-2015 07:57 AM Re: BJ's PreApproved wow!! Youll also earn 2 percent back dining out and at non-BJs gas stations, plus 1 percent back everywhere else Mastercard is accepted. But if Comenity does offer a card connected to one of your favorite stores, that card might make sense. Your Capital One Billing Statement will include a payment Coupon that can be mailed with your payment. An APR of 26.99% for balance transfers and an additional $10 or 5% of the . That depends mostly on your shopping habits. Must have a minimum balance of $10 in rewards to redeem. Purchases at BJ's clubs, BJ's Gas, BJs.com, BJ's app, and B2B and BJ's Global Sales transactions are not "outside of BJ's.". All Rights Reserved. In terms of a rewards structure, youll earn 5 percent back on Ikea purchases, 3 percent back on dining, grocery stores and utility purchases and 1 percent back on everything else. To find out more, read our complete terms of use. BJ's Gas purchases are not eligible purchases and do not earn rewards. To figure out whether you should apply for a BJ's credit card, here are the most valuable perks you'll get. So, they lowered my limit. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session. You can check your BJ's Credit Card application status by calling the customer service department at (855) 269-1622. To sweeten the deal, cardholders also get 10 cents off every gallon of gas they charge at BJs Gas locations. Mastercard is a registered trademark, and the circles design is a trademark with Mastercard International Incorporated. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. WalletHub is an independent comparison service. Those interested in rewards might be better off with a general rewards credit card. Privacy Policy. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Your web browser (Internet Explorer) is out of date and no longer supported. Box 71087, Charlotte, NC 28272-1083. Cash back is in the form of electronic Awards issued in $10 increments that are used at checkout at BJ's and expire six months from the date issued. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more. Please see "What changed about the way I make payments?" Offer subject to change at any time without notice. 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. Popup? When you earn rewards, theyll never expireever.11 Redeem your rewards at BJs on all your favorites.12, If youre enrolled in BJs Easy Renewal, your membership renews automatically. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. You can apply for a BJs credit card online or when you visit the warehouse. Popup? The offers that appear on this site are from companies from which CreditCards.com receives compensation. About Bj's Credit Card. You can use your BJ's Credit Card anywhere. All BJs memberships are subject to BJs current membership terms, ask in-club or go to BJs.com/terms. You can upgrade your club membership for an additional $50 annual fee. Your personal financial situation and lender terms and conditions can impact credit approval. The only bank that you have the right to apply for Bjs Credit Card on its platform and get it directly issued to you is Comenity Bank. We don't have BJ's in Texas, I think it's mainly in the East Coast from what i've heard of i'm not impressed besides if they were that outstanding they would expanded outside of their region by now much like Costco has. Please note that rewards cannot be used on certain purchases at BJ's, such as in-club purchases of exempted items restricted by law or regulation; shipping; sales taxes; bottle deposits; alcoholic beverages; cigarettes or tobacco-related products; lottery tickets; gift cards; propane; gasoline; BJs member Services (such as BJs Auto Buying Program. to maintain accurate information. The BJs credit card is available now, and this guide describes how to take advantage of its rewards programs and online management tools, as well as exclusive incentives. Your credit score determines your eligibilityfor the BJs credit card. Offer last updated: Mar 3rd, 2023 at 10:35 ET. When I first read it, well. http://www.bjs.com/webapp/wcs/stores/servlet/CobrandedPerk?catalogId=10201&langId=-1&storeId=10201&k What did you think the BJ meant? 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 didnt do and they transferred me to customer service. Excludes upgrades and downgrades. While pre-approval does not guarantee final approval, it's a pretty good indication that your credit card application will ultimately sail through, barring unexpected problems. Currently, over 4 months (and counting) of trying to remove a fraudulent charge on this card. Comenity Bank might not be a name you hear much, but this major credit card issuer is behind many store credit cards on the market today. See if youre pre-approved with no risk to your credit score. 2. What's This Charge On My Credit Card Statement? The financial institution did not provide the details. Also, X1 does not approve any applications with BK on reports. Click through the link below to fill out an application. The information, including card rates and fees, presented in the review is accurate as of the date of the review. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. @CYBERSAM- the OP won't be eligible for the Chase Amazon CC if there's a presence of BK on reports, especially if they were included in BK. Click here to access your membership information. For full rewards terms and conditions, please see BJs.com/bjsoneterms and BJs.com/terms. Retail cards are limited usually offering perks only when you shop at a specific retailer and often come with higher interest rates. Open a web browser now and visit - https://c.comenity.net/ac/bjs/public/home. BJ's Gas purchases are not eligible purchases and do not earn rewards. You are free to make reports or Contact Customer Card Services when you experience an error or unusual. Purchases at BJs clubs, BJs Gas, BJs.com, BJs app, and B2B and BJs Global Sales transactions are not outside of BJs.. Accumulated earnings remain in your program earnings balance until they are added to your program rewards balance when your BJ's One Mastercard billing statement issues each month, provided your credit card account is in good standing. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. To upgrade to Elite card status, you must be a BJs Perks Rewards Primary Member. 2021after being filed in Dec. 2020, what are some realistic options? What is the safest way I can get the fico rebuild bonus and hit $5K+ lines? They call it universal default. That mailing address may be different from above, but be assured this will get to the right place. You must provide your contact information and membership number. Once you have received your first statement from Capital One, you should mail payments to Capital One at the address listed on the payment coupon. Cash back is in the form of electronic Awards issued in $10 increments that are used at checkout at BJ's and expire six months from the date issued. I burned Chase, Amex, Citi, Disco in Chapter 7. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. Excludes upgrades and downgrades. card tier. That mailing address may be different from above, but be assured this will get to the right place. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. Your rewards vouchers expire six months after the issue date. When considering a card, see the issuer's online application for official details about terms and conditions. If you have authorized users, they have remained on your account and received a new account number. All rights reserved. It also gives you the right to receive the . 8 BJs Business Elite Credit Card holders earn 5% back in rewards on eligible purchases of goods and services in-club at BJs front-end registers, on BJs.com or in the BJs app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJs Business Elite Credit Card. All BJs memberships are subject to BJs current membership terms, ask in-club or go to BJs.com/terms. As a cardholder, you can conveniently use your BJs credit card as your membership card when you enter the store or checkout. The easiest way you can reach the BJ's Credit Card customer service is either over the phone at (855) 269-1622 or through BJ's online chat. Copyright 2023 Comenity LLC. We want to update this site based on what we hear from you, though you may not hear back directly from us. Replacing the BJ's Perks Plus Mastercard Credit Card, Replacing the BJ's Perks Elite Mastercard Credit Card, Replacing both the BJ's Business Perks Plus Mastercard and BJ's Business Perks Elite Mastercard. Do I have a shot at a card with them? If youre rejected for the credit card, you may need to work on increasing your credit score. Score extra savings with offers especially for cardholders. And if you then use the card and pay off your balance in full each month, youll slowly build a solid credit history just dont make your payments late or run up charges that you cant pay off in full. Must contact BJ's Member Care at 800-BJS-CLUB to request cash back in the form of a check prior to Award expiration. So, when applying for new credit, it's essential to know your credit scores and what's on your credit reports. If youre a frequent shopper at Victorias Secret, Comenitys Victorias Secret Mastercard Credit Card might be a good choice. Interestingly, you can apply for the card, create online access, and log in at the same platform. Predicting an outcome if you applied is an inexact science but if you were hoping to get a $5K+ approval I don't think that is a likely outcome. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. With your permission, the company runs your credit to ensure you qualify for the card. How to register an account online and activate a new card? This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. at BJ's Gas 3 1.5% back in rewards everywhere else Mastercard is accepted 4 World Mastercard status BJ's One+ Mastercard Replacing the BJ's Perks Elite Mastercard Credit Card The next level of protection is here! How much you earn, though, depends on what you buy. 2008 2023 Ziff Davis, LLC, a Ziff Davis company. All purchases made using your BJ's One Mastercard. How can I qualify for BJ's Credit Card pre approval? Credit card account must be in good standing. Further information is available in our FICO Data Privacy Policy. 12 Must have a minimum balance of $10 in rewards to redeem. If you spend more than your credit limit allows, you still owe the entire balance. 3 - BJs One Credit Card holders earn 1.5% back and BJs One+ Credit Card holders earn 2% back in rewards on purchases made outside of BJs with their BJs One or BJs One+ Credit Card, minus any returns, refunds or credit adjustments. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. 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! Re: BJ's Credit Card Pre-approval IIRC your BK7 was discharged almost exactly a year ago. However, you may be pre-selected for an application. Youll need to spend $250 at Victorias Secret per year to reach Silver status and $500 per year to reach Gold. Is this a better option? Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. I don't want to risk an approval below $5K+ and that's the only reason I didn't go with lenders like credit one or merrick though I've heard good things. 1 - BJs One Credit Card holders earn 3% back and BJs One+ Credit Card holders earn 5% back in rewards on eligible purchases of goods and services in-club at BJs front-end registers, on BJs.com or in the BJs app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJs One or BJs One+ Credit Card. BJ's Credit Card is a rewards credit card that gives you 5% cash back on all BJ's purchases, 2% cash back on gas and grocery store purchases, and 1% cash back on all other purchases. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. If you lost your Membership Card, you may: Have a replacement card printed, at no additional charge, at the Member Services desk in your local Club, or; Call Member Care for assistance at 800-BJS-CLUB (800-257-2582).