My BJ's Perks Mastercard
Would you recommend My BJ's Perks Mastercard to your friends?
| Community Rating | Strongly not recommended |
| Purchase APR (Variable APR) |
16.49% - 26.49% (Verified 08/24/2022) |
| Balance Transfer APR (Variable APR) | 26.99% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 20 |
My BJ's Perks Mastercard Review
This is a store cashback card issued by Comenity Bank. If you're wondering whether BJs credit card is the right card for you, read on.
Key Takeaways
- Competitive APRs. My BJ's Perks Mastercard has a variable purchase APR that ranges from 16.49% up to 26.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 odds if your credit score is above 650.
Pros & Cons of BJs credit card
| The Good | The Bad |
|---|---|
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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.My BJ's Perks Mastercard has a variable purchase APR that ranges from 16.49% up to 26.49%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 28.49% .
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:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
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 (185) 579-69632.
What is the support contact email for BJs credit card?
The support contact email for BJs credit card is webmaster@comenity.net.
What is the BJs credit card login page?
You can access the BJs credit card login page here.
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.
Message From BJs credit card
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (185) 579-69632
- Visit Site
- Email Support
Other Services by Comenity Bank
Other Credit Cards by Comenity Bank
Availability
- Connecticut
- Delaware
- Florida
- Georgia
- Maine
- Maryland
- Massachusetts
- New Hampshire
- New Jersey
- New York
- North Carolina
- Ohio
- Pennsylvania
- Rhode Island
- South Carolina
- Virginia
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
My BJ's Perks Mastercard Community Reviews
Would you recommend My BJ's Perks Mastercard to your friends?
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