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  My BJ's Perks Mastercard

My BJ's Perks Mastercard

in Personal Credit Cards from Comenity

Unaffiliated

My BJ's Perks Mastercard

Unaffiliated

in Personal Credit Cards from Comenity

SuperMoney Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

0 users recommend
0 users are unsure
5 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 14.99% - 24.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 650 - 850
Annual Fee $0
Number of Reviews 5

My BJ's Perks Mastercard Review

This is a store cashback credit card issued by Comenity. If you're wondering whether BJs credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. My BJ's Perks Mastercard has a variable purchase APR that ranges from 14.99% up to 24.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. My BJ's Perks Mastercard charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of BJs credit card
The Good The Bad
  • Receive an instant discount of 10¢ off each gallon of fuel at BJ's Gas® when you use your BJ's Perks Plus® Credit Card to pay for your fuel purchase. Note that purchases at BJ's Gas® are not Eligible Purchases or Eligible Purchases Made at BJ's and do not accumulate earnings.
  • Earn 2% Cash Back* on Eligible Purchases made at Dining and Gas Station locations outside of BJ's Gas locations.
  • Lower than average purchase APRs.
  • No annual fee.
  • My BJ's Perks Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.
BJs credit card FAQ

Does BJs credit card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the BJs credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for BJs credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.99% .

Does BJs credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does BJs credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for BJs credit card?

The following fees apply:

BJs credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does BJs credit card have a foreign transaction fee?

BJs credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for BJs credit card?

The BJs credit card customer service number is (855) 796-9632.

What is the support contact email for BJs credit card?

The support contact email for BJs credit card is info@rh.com.

How do people rate the customer service and user experience of BJs credit card?

Overall, BJs credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does My BJ's Perks Mastercard report your account activity to credit bureaus?

Yes, My BJ's Perks Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for BJs credit card

  • Visit the BJs credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Comenity

Comenity has been helping people get more for their money since we introduced our first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with many of the most recognized and respected retailers in the world, and more than 50 million people carry our private label, co-brand and business credit cards in their wallets. From the start, the Comenity mission has been to understand what’s most important to customers and develop innovative solutions that meet their needs. It’s why our cardmembers are supported by care centers that have been recognized for excellence 15 consecutive times—a record for the financial services industry. It’s also why Comenity Direct was created. Our high-yield savings products and CDs deliver highly competitive rates, a simplified banking experience and elevated customer care to give customers what they want and what they deserve.

You can use your awards in-Club or on BJs.com in $10 increments. No annual credit card fee. Your credit card is also your Membership Card.

Contact

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity

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Availability

  Available in 16 states
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Massachusetts
  • Maryland
  • Maine
  • North Carolina
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Virginia

Feature Breakdown

Eligible In-Store Purchases 3%
Every Purchase (Points) 1% cash back everywhere Mastercard® is accepted
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Annual Maximum 0
Rewards Categories
  • 2% Cash Back on Gas
  • 2% Cash Back on Restaurants
  • 1% Cash Back on Every Purchase
  • 3% Cash Back on In-Store Eligible Purchases
Cash Advance APR (Variable APR) 26.99%
Balance Computation daily balance (including current transactions)
Purchase APR (Variable APR) 14.99% - 24.99%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Cashback
  • Store Card
Card Network Mastercard

My BJ's Perks Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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