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My BJ's Perks Mastercard

in Personal Credit Cards from Comenity

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My BJ's Perks Mastercard

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Highlights
Purchase APR 19.99% - 26.99%
Balance Transfer APR N/A
Annual Fee $0
Credit Score Range 650 - 850

Overview

Who is this credit card designed for?

My BJ's Perks Mastercard is a a charge card issued by Comenity, which is based in Wilmington, DE. 

My BJ's Perks Mastercard is designed for people with a credit score of 650 to 850. It's perfect for consumers looking for a card without an annual fee.

What are the relevant APRs?

My BJ's Perks Mastercard is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

Is an introductory APR offer available?

No, My BJ's Perks Mastercard does not come with an introductory APR offer for balance transfers.

My BJ's Perks Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to My BJ's Perks Mastercard:

  • There is no annual fee.
  • A late payment penalty of up to $38.
  • My BJ's Perks Mastercard does not charge a returned payment fee.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, My BJ's Perks Mastercard does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Warehouse Clubs

Is a signup bonus offered?

My BJ's Perks Mastercard doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

My BJ's Perks Mastercard doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 My BJ's Perks Mastercard provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus
  • Does My BJ's Perks Mastercard report your account activity to credit bureaus?

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

    • Equifax
    • Experian

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    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...

    Contact

    • Headquarters
    •   One Righter Parkway, Suite 100
      Wilmington, DE 19803 USA
    •   Visit Site

    Other Services by Comenity

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    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 16 states
    • Connecticut
    • Delaware
    • Florida
    • Georgia
    • Maine
    • Maryland
    • Massachusetts
    • New Hampshire
    • New Jersey
    • New York
    • North Carolina
    • Ohio
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • Virginia

    Feature Breakdown

    Grace Period for Late Payment (Days) 23
    Annual Fee $0
    No Annual Fee  
    Returned Payment Fee $38
    Minimum Interest Charge $2
    Late Fee Amount $38
    Balance Transfer Fee % 27.99%
    Balance Transfer Fee Minimum $10
    Cash Advance Fee (%) 27.99%
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Credit Score Range 650 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Customer Type Personal
    Fraud Liability  
    Credit Card Benefits
    • Fraud Liability
    Bonus Rewards Save 10¢ off/gal. at BJ's Gas® every day Up to 5% cash back on most in-Club and BJs.com purchases
    Annual Maximum My BJ's Perks Mastercard is subject to credit approval. Cash back is in the form of electronic awards issued in $20 increments that are used in-Club at the register and expire 6 months from the date issued.
    All Other Purchases 2% cash back on dining and non-BJ's gas purchases
    Every Purchase 1% cash back everywhere Mastercard® is accepted
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    • Restaurants
    • Warehouse Clubs
    Purchase APR (Variable APR) 19.99% - 26.99%
    Cash Advance APR (Variable APR) 27.99%

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