Apply for BJ’s Credit Card: BJ’s Wholesale Club is a renowned membership-only warehouse club offering a vast selection of products at competitive prices.
To enhance the shopping experience, BJ’s provides its members with exclusive credit card options that offer various rewards and benefits.
This guide delves into the details of BJ’s credit card offerings and provides a comprehensive overview of the application process.
Understanding BJ’s Membership Tiers
Before applying for a BJ’s credit card, it’s essential to understand the membership tiers, as your membership level determines your eligibility for specific credit cards.
Club Card Membership
The Club Card Membership is BJ’s standard membership, priced at $55 per year. Members enjoy access to BJ’s vast selection of products and services, both in-club and online. This membership tier qualifies members to apply for the BJ’s One™ Mastercard®.
Club+ Card Membership
For those seeking enhanced benefits, the Club+ Card Membership is available at $110 annually. This tier offers all the perks of the standard membership, plus additional advantages such as 2% back in rewards on most BJ’s purchases and discounts on fuel at BJ’s Gas® stations. Club+ members are eligible to apply for the BJ’s One+™ Mastercard®.
BJ’s One™ Mastercard® Overview
The BJ’s One™ Mastercard® is designed for Club Card Members aiming to maximize their shopping experience.
Key Benefits and Features
- Rewards on BJ’s Purchases: Earn 3% back in rewards on most BJ’s purchases.
- Rewards on Other Purchases: Receive 1.5% back in rewards on purchases made outside of BJ’s.
- Fuel Discounts: Enjoy a 10¢ discount per gallon at BJ’s Gas® when using the card.
BJ’s One+™ Mastercard® Overview
Tailored for Club+ Card Members, the BJ’s One+™ Mastercard® offers enhanced rewards and benefits.
Key Benefits and Features
- Rewards on BJ’s Purchases: Earn 5% back in rewards on most BJ’s purchases.
- Rewards on Other Purchases: Receive 2% back in rewards on purchases made outside of BJ’s.
- Fuel Discounts: Benefit from a 15¢ discount per gallon at BJ’s Gas® when using the card.
Eligibility Requirements
To apply for either of BJ’s credit cards, applicants must:
- Be a BJ’s Member: A valid BJ’s membership is mandatory. You can sign up for a membership on BJ’s official website.
- Meet Credit Criteria: While specific credit score requirements aren’t publicly disclosed, a good credit score enhances approval chances.
Application Process
Applying for BJ’s credit cards is straightforward and can be done through various methods.
Online Application
- Visit the Official Website: Navigate to BJ’s credit card application page.
- Select the Desired Card: Choose between the BJ’s One™ Mastercard® or the BJ’s One+™ Mastercard®, based on your membership tier.
- Complete the Application: Fill out the required personal and financial information.
- Submit the Application: After reviewing your details, submit the application for processing.
Alternative Application Methods
- By Phone: Contact BJ’s customer service to apply over the phone.
- In-Store: Visit a BJ’s location and apply with assistance from a representative.
Managing Your BJ’s Credit Card Account
Once approved, managing your BJ’s credit card is convenient and user-friendly.
Online Account Management
Cardholders can access their accounts online to:
- View Statements: Check monthly statements and transaction history.
- Make Payments: Pay your credit card bill electronically.
- Set Up Alerts: Receive notifications for payment due dates and transactions.
Mobile App Features
BJ’s, in partnership with Capital One, offers a mobile app that allows cardholders to:
- Monitor Account Activity: Keep track of purchases in real-time.
- Access Virtual Card: Use a digital version of your card for online shopping.
- Manage Rewards: View and redeem accumulated rewards seamlessly.
Maximizing Rewards and Benefits
To get the most out of your BJ’s credit card:
- Use the Card for BJ’s Purchases: Maximize rewards by using the card for all eligible BJ’s transactions.
- Take Advantage of Fuel Discounts: Use your card at BJ’s Gas® stations to save on fuel.
- Monitor Promotions: Stay updated on special promotions that offer additional rewards.
Understanding Fees and Interest Rates
Being aware of potential fees and interest rates is crucial.
- Annual Fee: Both credit cards have no annual fee.
- Interest Rates: Purchase APRs vary based on creditworthiness. It’s advisable to pay the balance in full each month to avoid interest charges.
Security Features
BJ’s credit cards come equipped with robust security measures.
- Fraud Protection: Advanced systems monitor for suspicious activity.
- Card Lock: Easily lock your card through the mobile app if it’s lost or stolen.
Customer Support and Assistance
For assistance:
- Contact Customer Service: Reach out via phone or through the online portal for support.
- Online Resources: Access FAQs and guides on BJ’s official website.
Comparing BJ’s Credit Cards to Competitors
When evaluating BJ’s credit cards against competitors:
- Rewards Rates: BJ’s cards offer competitive rewards, especially for in-club purchases.
- Fuel Discounts: The per-gallon discount at BJ’s Gas® is a notable benefit.
- Redemption Flexibility: Rewards are redeemable at BJ’s, which may be a limitation compared to general cashback cards.
FAQs about Applying for BJ’s Credit Card
What do I need to apply for a BJ’s Credit Card?
To apply for a BJ’s Credit Card, you’ll need to provide your personal information, including your full name, address, Social Security number, and annual income. It’s also helpful to have your BJ’s membership number handy if you are already a member.
Can I apply for a BJ’s Credit Card online?
Yes, you can apply for a BJ’s Credit Card online. Simply visit BJ’s official website, navigate to the credit card section, and follow the application process. You can also apply in-store at any BJ’s location.
What are the benefits of a BJ’s Credit Card?
BJ’s Credit Cardholders enjoy exclusive benefits such as earning cashback on purchases, special discounts at BJ’s stores, and promotional financing offers. Additionally, cardholders receive special coupons and early access to savings events.
How long does it take to get approved for a BJ’s Credit Card?
Approval times can vary, but many applicants receive a decision instantly after submitting their application online. In some cases, additional review might be needed, which could take a few days.
What should I do if my application for a BJ’s Credit Card is declined?
If your application is declined, BJ’s will provide a reason for the decision. You can review the factors that influenced the decision and, if possible, address them before reapplying. You are also entitled to a free credit report if your application is denied based on your credit score.
Is there an annual fee for a BJ’s Credit Card?
BJ’s Credit Card does not typically have an annual fee, but it’s always best to check the latest terms and conditions to be sure as these can change.
Can I manage my BJ’s Credit Card account online?
Yes, once you receive your BJ’s Credit Card, you can register it online to manage your account. This enables you to check your balance, monitor transactions, and pay your bill electronically.
