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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

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-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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0 users recommend
0 users are unsure
4 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

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

My BJ's Perks Mastercard Review

If you're wondering whether My BJ's Perks Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.99% up to 26.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 27.99% Balance transfer fee. My BJ's Perks Mastercard charges a fee of up to 27.99% on balance transfers. For example, a balance of $1,000 could cost up to $279.9 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 stand a chance of qualifying if your credit score is not below 650.
My BJ's Perks Mastercard Pros & Cons
The Good The Bad
  • No annual fee.
  • My BJ's Perks Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Charges a 27.99% balance transfer fee.
  • Does not include many credit card benefits.
My BJ's Perks Mastercard FAQ

Is there a My BJ's Perks Mastercard cash back or rewards program?

No, My BJ's Perks Mastercard does not offer a rewards program.

What are the My BJ's Perks Mastercard benefits?

My BJ's Perks Mastercard provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for My BJ's Perks Mastercard?

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.

What are the fees for My BJ's Perks Mastercard?

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

My BJ's Perks Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $38
Late Payment Fee $38

Does My BJ's Perks Mastercard have a foreign transaction fee?

My BJ's Perks Mastercard 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 a foreign transaction fee.

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

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 My BJ's Perks Mastercard

  • Visit the My BJ's Perks Mastercard 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020 USA
  •   Visit Site

About My BJ's Perks Mastercard

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View all personal credit cards offered by Comenity

Availability

  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

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) 27.99%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
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 0. 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.
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Warehouse Clubs Purchases
Cash Advance APR (Variable APR) 27.99%
Purchase APR (Variable APR) 19.99% - 26.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 27.99%
Card Type Charge Card
Card Network Mastercard

My BJ's Perks Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-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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