Last Updated: 07/28/2025
SuperMoney User Recommendation Score -90
Strongly not recommended20 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
16.49% - 26.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
My BJ's Perks Mastercard Review
This is a store cashback credit card issued by Comenity Bank. If you're wondering whether My BJ's Perks Mastercard is the right card for you, read on.
Key Takeaways
- APRs: My BJ's Perks Mastercard has a variable regular 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for BJs credit card is (185) 579-69632.
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 to the following credit bureaus:
- 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 build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, BJs credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for BJs credit card
- Visit the website of BJs credit card.
- 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 BJs credit card
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 Bank
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -90, or 1.2 on a 5-point rating scale.
-90
-1000+100
No one recommends
Everyone recommends
My BJ's Perks Mastercard Community Reviews
Would you recommend My BJ's Perks Mastercard to your friends?
Miguel I.
Feb 7, 2023
May or may not recommend
Pure racketeering!! super bad customer service...
No matter you needs, I really recommende looking for another credit card provider.
BELIEVE ME!!
U
Anonymous
Jan 28, 2023
May or may not recommend
Comenity bank BJ’s perks card customer service is a complete joke. Other negative reviews are absolutely true.
U
Anonymous
Oct 4, 2022
May or may not recommend
Community Bank costumer service is a joke. Representatives don't understand and unwilling to try and understand because they are overseas. Called about not reporting to the credit bureaus. Waited 1hr to talk to CC. Explained my situation and was put on hold for 20 min. CC gave me the number to Experian. I don't recommend this bank. STAY AWAY
Dmitri S.
Aug 28, 2022
May or may not recommend
Stopped tracking points about 2 months ago. Website keeps showing apology with promises to fix the bonus points tracking but it's been almost 2 month and it has not been fixed. I stopped using this card because I have very low expectation that it will be fixed any time soon.
CM
Colleen M.
Aug 5, 2022
May or may not recommend
The website was down for several weeks during this time period there were several fraudulent charges placed on my card. Called customer service… waited on hold for 48 minute’s only to have the customer service rep tell me that said charges didn’t “look” fraudulent to her. I explained that I had already called said places and had descriptions of what was purchased .. they didn’t want to hear ...Show More
U
Anonymous
Aug 4, 2022
May or may not recommend
The comenity website was down for multiple days. The rewards program is now down and not calculating rewards accurately. This is the current message when you try to view your rewards.
"We are currently updating our systems and you may see a delay loading your rewards. Your account will be updated to reflect your correct earning activity as soon as possible. We thank you for your patience."
The 5% earnings at ...Show More
CB
Chuck B.
Jul 7, 2022
May or may not recommend
I have mult CC and my FICO is in the high 800's. Comenity is the only CC that I seem to ever have a problem with. I received the monthly statement around the middle of the month which only gives me 2 weeks to make the payment which I prefer to do by mail. I send off the check asap yet it takes Comenity 3 weeks or more ...Show More
EB
Elmer B.
Jul 5, 2022
May or may not recommend
Poor to no customer support. No e-mail confirmation payment was made. So easy to make a double payment because still shows a minimum due instead of a pending payment or any indication a payment was submitted
SS
Sari S.
Jun 28, 2022
May or may not recommend
Community arbitrarily resurrected provisional credit granted to me by the store after returns were received confirmed documented all of the above and two years later comenity arbitrarily reversed the credit and reinstituted the charge BJ's never told them to, comenity has NO documentation why the charge was reinstituted, and now I'm fighting them to get rid of it again I'm fighting the whole nightmare all over again and the burden ...Show More
SM
Stan M.
Apr 19, 2022
May or may not recommend
I pay my card off on a yearly basis. This year I paid my card off and two weeks later received a statement that I overpaid $109. I asked the agent if ALL charges were taken care of and was told yes and to request a refund. I requested the refund and received it within 3 days. 3 weeks later I received a bill for $106. When I spoke to ...Show More
BR
Barbara R.
Apr 11, 2022
May or may not recommend
I don't understand why this card isn't recommended. I get 4% cash back. I don't use it anywhere but BJ's in order to keep it under control so that I can clearly see the benefits but I'm constantly getting rewarded and I don't go there but a few times a month. The gas alone has paid for the membership. I signed up on a $25 promo and after that it'll ...Show More
Flaming F.
Dec 17, 2021
May or may not recommend
Terrible company, terrible card! First of all BJs lied to seduce me to open the card by stating no credit check would be run.That was a lie, they ran a hard check on my credit. I don't use my BJs card for anything but BJs so 6 months after my last payment when I received a ding on my credit for an unpaid bill I wanted to know why ...Show More
U
Anonymous
Aug 17, 2021
May or may not recommend
I paid my bill through my bank on 7/28 with estimated arrival of 8/3 (bill was due 8/4). According to my bank, it arrived on 7/30. According to Comenity, they didn't receive and process it until 8/6, meaning a $35 late fee. This is extremely frustrating for someone who is careful to pay bills on time. When I called, I was told that late fees cannot be disputed. Ever. I ...Show More
U
Anonymous
Jul 7, 2021
May or may not recommend
Do not get Perks Mastercard, after caceling the card they will be keep charging me, they did not live me choice but file complain to attorney general office.
JA
J A.
Jun 16, 2021
May or may not recommend
Scam company. They do not process the payments they receive from my bank on time and then charge a late fee for it. I made a payment by phone and then cancelled my bank payment transaction, just so I would not be charged another late fee if they did not process the payment on time. I actually called in the payment this time, but BJ's card charged ...Show More
SS
Satish S.
Mar 22, 2021
May or may not recommend
hidden fees which i was not aware of and i was not given a satisfaction when i called customer service
Mervat S.
Jun 25, 2020
May or may not recommend
They are the worse , we are trying to get our money back since April but no use our flight been cancelled due to Covid-19 and they don’t refund us they closed our distribute many times with in two or three days with no investigation even .We are going to complain to the state attorney general now. We have been an excellent customer and they treated us like this what ...Show More
JF
J F.
Jan 15, 2020
May or may not recommend
BJs is one of my favorite stores. Comenity Bank, quite the opposite. Unpleasant experience with customer "care". I admittedly made a mistake but despite paying in full immediately upon realizing my oversight, and never having missed a payment prior, was only very grudgingly given a late fee reversal and no reversal of finance charges. Never experienced this before, and won't again because I will ...Show More
U
Anonymous
Aug 1, 2019
May or may not recommend
Card saves on gas and instore purchases, however, they push and push and push you to use their 0% Interest Balance Transfer option, then when you do, you end up paying interest on your revolving balance even when paid in full in advance of due date every month...This is a scam, avoid any balance transfers or you'll be sorry!
DS
Desa S.
Jun 12, 2019
May or may not recommend
Not happy price is higher than another store interest rate higher?
Showing 20 of 20 reviews
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