I really don't mind using a HP if it means I would get approved. See how simple it is to enroll and manage your account online with Capital One. Please download one of these up-to-date, free and excellent browsers: You can check your BJ's credit card rewards balance by signing into your online account. How to register an account online and activate a new card? Credit Card Types Airline Balance Transfer Cash Back Hotel Prepaid Retail Rewards Secured Travel Business Student Issuers American Express American Express Business If you're . All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Upon approval, you receive information on the terms, conditions, and credit limit that applies to your card. You earn 1% cash back on purchases you make at other retailers that accept Mastercard. Earn 3% cash back on transit, including U.S. gas stations, taxis/rideshare, parking, tolls, trains, buses, and more. So, click on the Apply Now button below the credit card description. You can also apply for most of these cards in-store. Purchases at BJs clubs, BJs Gas, BJs.com, BJs app, and B2B and BJs Global Sales transactions are not outside of BJs.. Theres also a $25 Ikea reward dollars bonus when you spend $500 or more outside of Ikea, Traemand and TaskRabbit within the first 90 days of account opening. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. My BJ's Perks Mastercard and My BJ's Perks World Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. The card's regular interest rate is variable, meaning it can change based on certain economic conditions. Welcome to Chip Cards! * For a limited time, members within their first year of membership will receive $40 in rewards when they apply and are approved for a new BJ's One or BJ's One+ Credit Card. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 2021 and have both checking and saving with them and there's a substantially large balance sitting on the checking untouched since. Minimum eligible purchase amount $10 at BJs checkout. I've been setting myself up for a PenFed approval for about a year now and I'm an authorized user on my wife's PRC that was just approved last week at $12.5K. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, gasoline, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. Visit our FAQ page for even more information. IIRC your BK7 was discharged almost exactly a year ago. Dad's Info: FICO 8 Experian: 627, Credit Karma-Transunion 651; Equifax 656, CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. I decided to keep my membership only after the BJ's representative informed me that BJ's soon would be changing their store card to Capital One, and my experience with other Capital One cards has been excellent. However, its important to keep in mind how your credit score is affectedif you open numerous credit card accounts, especially if you maintain high balances on these cards. 2 BJs One Credit Card holders earn 3% back in rewards on eligible purchases of goods and services in-club at BJs front-end registers, on BJs.com or in the BJs app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJs One Credit Card. Any thoughts on the impact chapter 7 bankruptcy would have on a comenity bank approval? Check for all the latest updates including all features, fees, rates, services, etc. Offer valid for first time members only, and excludes Business members, trial members, online-only members, team members and vendor members. Best Pre-approved Credit Cards for 2023 Never the less, they shut down our card and would not allow us access to our account or to use our credit card until the next billing cycle even though I paid the entire balance once it was brought to my attention. I currently have between 2-4 inquiries across 3 CRs all of which would be a year old on Aug 9th, 2022. Cash back is in the form of electronic Awards issued in $10 increments that are used at checkout at BJ's and expire six months from the date issued. Guide to Upgrade Card: A credit card and installment loan hybrid, Free-to-cheap Halloween stuff to scare off credit card debt, How to add an authorized user to a Citi credit card. You can upgrade your club membership for an additional $50 annual fee. But if Comenity does offer a card connected to one of your favorite stores, that card might make sense. You cannot pay your BJ's Credit Card in store. Other things to know about the BJ's Credit Card approval process: If you get approved for the BJ's Credit Card, you should receive your card within 7-10 business days. Fee is prorated based on primary members membership expiration date at time of the addition. 1-866-522-8016 (TDD/TTY: 1-888-819-1918). For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Box 71087, Charlotte, NC 28272-1087 with your Capital One account information until you receive your first billing statement from Capital One. By building healthy credit with the BJs card, you can increase your credit score, add a positive account to your credit history, and take advantage of the rewards program offered by the store. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Using the BJs credit card, you earn 5% back on most in-store and online purchases at BJs.com, and you don't need a membership for online orders. What are the details regarding using my rewards? Must contact BJ's Member Care at 800-BJS-CLUB to request cash back in the form of a check prior to Award expiration. Get a FREE Credit Evaluation from Credit Saint Today! Your rewards never expire. FTC's website on credit. Other than BJ's Brewhouse and BJ and the Bear there aren't any other famous BJ's except for maybe dare I say BJ THOMAS? Plus, youll get free shipping on orders of $50 or more. You can check your BJ's Credit Card application status by calling the customer service department at (855) 269-1622. I would LOVE to get that because of the perks and how much I shop there, but I have not heard of anyone getting. I finally became so frustrated by this credit card provider's poor customer service that I called BJ's to cancel my club membership. BJ's Perks Plus MasterCard Credit Card Offer Get all the details of BJ's Perks Plus MasterCard including APR, annual fee, reward points, so you can apply for the right card today. See BJs.com/bjsoneterms for information on excluded services. Pre-approved credit cards are offers made by credit card companies that indicate you will have a high likelihood of approval if you apply. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Your BJ's Credit Card approval odds are high if you have good credit or better (a credit score of 700+). Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. Before submitting an application, always verify all terms and conditions with the offering institution. Many factors affect your FICO Scores and the interest rates you may receive. @CYBERSAM- the OP won't be eligible for the Chase Amazon CC if there's a presence of BK on reports, especially if they were included in BK. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. My mum got her card that way back in 2016 and it was a very good card for rewards if you buy bj's a lot as some time theywill have extra "x" % back for differenttimes in the year. ALL RIGHTS RESERVED. How did it come? Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. Privacy Policy. After February 27, there are still other ways that you may use your account to make purchases: If you have not received your new BJs One Mastercard by March 9 or have other questions, please call the number on the back of your existing BJ's Mastercard for further assistance. - Estimate only. BJ's One Mastercard Replacing the BJ's Perks Plus Mastercard Credit Card 3% back in rewards on most BJ's purchases 2 10 off/gal. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Please let us know if you notice any differences. Purchases at BJs clubs, BJs Gas, BJs.com, BJs app, and B2B and BJs Global Sales transactions are not outside of BJs.. They gave me a 5,000 CL. Theres no annual fee associated with the BJs Perks credit card. Capital One Quicksilver Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, Citi Double Cash Card 18 month BT offer, Blue Cash Everyday Card from American Express, Do Not Sell or Share My Personal Information. Once you activate the new BJ's One+ Mastercard Credit Card, your BJs One Mastercard Credit Card will be deactivated. Valid one time only. Or, extortion - when these credit card companies ban together like this. Alternatively, you can send your payments via mail. Also BJs portfolio is moving to CapOne probably as soon as early summer! Cash back is in the form of electronic Awards issued in $10 increments that are used at checkout at BJ's and expire six months from the date issued. Understanding the Pros and Cons of 5 Different CitiCards. By allowing access to your new line of credit right away, instant use credit cards can help fund large purchases, earn sign-up bonuses, get discounts on shopping carts and more. 1 If you have not yet received your new card in the mail, please call 844-202-9570. To qualify for a BJs Perks credit card, you must have a credit scorethats considered good, or at least 700. Credit Cards Explained may earn affiliate commissions from our partners on this page. In addition to the rewards you receive for shopping at BJs, you also earn 2% cash back when you dine at restaurants or purchase gas at non-BJs gas stations. You can find travel rewards credit cards, auto cards, medical cards and even an insurance credit card that allows you to earn rewards while paying for your coverage. 3 Receive an instant discount of 10 off each gallon of fuel at BJs Gas when you use your BJs One Credit Card to pay for your fuel purchase and scan the associated membership card. You should have received a letter or an email, which will notify you if your AutoPay settings have or have not transferred. The account is still shared. Your web browser (Internet Explorer) is out of date and no longer supported. FISCAL TIGER 2021. Reasonable efforts are made What does the BJ stand for? All Rights Reserved. Whats This Charge On My Credit Card Statement? If I could have given this card a zero star I certainly would have. How can I check my BJ's Credit Card rewards balance? Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Your account is always protected so you can take your card across the country or around the world. From there, click Apply Now and provide the required information. * For a limited time, members within their first year of membership will receive $40 in rewards when they apply and are approved for a new BJ's One or BJ's One+ Credit Card. Getting approved for a BJ's Credit Card requires a little planning. Pay via phone by calling 844-202-9570 for the BJs One Credit Card or BJs One+ Credit Card; the BJs Business Elite Credit Card phone number is 844-217-6927. Earn up to 5% back in rewards based on your Account Alerts Apple Pay Apply APR & Fees Automatic Payments Bread Financial Card Lock/Unlock Cash Advance Comenity's EasyPay Disputes Interestingly, you can apply for the card, create online access, and log in at the same platform. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. It also gives you the right to receive the . Open a web browser now and visit https://c.comenity.net/ac/bjs/public/home. See if youre pre-approved with no risk to your credit score. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJs Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJs services provided by third parties (e.g., BJs Travel), BJs B2B and BJs Global Sales transactions. I'd like to know. When you earn rewards, theyll never expireever.11 Redeem your rewards at BJs on all your favorites.12, If youre enrolled in BJs Easy Renewal, your membership renews automatically. All authorized users on the BJ's One Mastercard. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. You should receive your new card in the mail.1, 14 Dont forget to activate it! If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Credit card offers are subject to credit approval. Instead, banks that partner with these retailers are the ones that provide and manage these types of cards. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and Citi. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. All BJs memberships are subject to BJs current membership terms, ask in-club or go to BJs.com/terms. For more information on these changes, visit BJsOne.capitalone.com. Many factors affect your FICO Scores and the interest rates you may receive. The next level of protection is here! I've never heard of BJ's Mastercard. It rewards you for paying with it at dining stores, grocery stores, and other fuel stations. The BJs One Mastercard, BJs One+ Mastercard and BJs Business Elite Mastercard are subject to the program terms at: BJs.com/BJsOneTerms. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Information is displayed first and foremost to help consumers make better decisions. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. How does pre-approval work and how do I apply online? Actual rewards earnings will be determined in accordance with the full rewards terms and conditions at bjs.com/bjsoneterms and bjs.com/terms. Financial Lessons for Kids: Can You Use a Kid's Credit Card To Build Credit? You can look up your BJ's rewards balance at BJs.com/account/rewards. 4 BJs One Credit Card holders earn 1.5% back in rewards on purchases made outside of BJs with their BJs One Credit Card, minus any returns, refunds or credit adjustments. It is the worst most unprofessional service I have ever encountered! Enjoy your same great benefits, now with added security. Submit your question about BJ's Credit Card to our community. 2 - There is no cap to the amount you can earn on eligible purchases, and your BJs One Mastercard rewards are yours for the life of the account they will not expire. The bank that issues your BJs credit card has changed to Capital One. If your account was converted to Capital One, you can now activate your new BJ's One Mastercard and reenroll in online banking by visiting BJs.capitalone.com. From there, click "Apply Now" and provide the required information. If you want to understand where your money is going, you need to track your spending. * Plus state and local taxes where applicable. Predicting an outcome if you applied is an inexact science but if you were hoping to get a $5K+ approval I don't think that is a likely outcome. BEWARE..if I could write this with a ZERO stars I would!!!!! Box 71087, Charlotte, NC 28272-1083. @LuckyB338 Given youreceived the Pre Approval, I'll say you have a decent chance! Should I consider this when I'm ready to apply in Aug? saves on gas, has my bjs customer number on it, savings on other things, im not sure what I'm supposed to say about a credit card - it has a nice color. Valid one time only. You can usually raise your credit scoreby paying bills on time, addressing your debt, and reviewing your credit report for errors. Add your monthly expenses to see your estimated yearly rewards earnings. Offer subject to change at any time without notice. All purchases made using your BJ's One Mastercard. Re: BJ's PreApproved to find out your credit limit go to and register for an online account (you dont need your account number / its a comenity system) https://d.comenity.net/bjs/public/onlineaccess/SignUp.xhtml Message 13 of 15 1 Kudo Bliss831 Regular Contributor 03-13-2015 07:57 AM Re: BJ's PreApproved wow!! See the online credit card applications for details about the terms and conditions of an offer. Even if your credit isnt in the best shape, you still may find other options. Type your date of birth, income, and contact information. I figured I can set myself up for AZEO if I get one or two more cards at the one year mark. Credit card offers are subject to credit approval. What's This Charge On My Credit Card Statement? You can find your BJs membership number on the back of your credit card. When you receive the card and activate it, you can begin using it for purchases and as your new membership card. Privacy Policy. Here are some of the better-known stores for which Comenity provides a retail credit card: Comenity Bank is mostly known for its retail credit cards, but it also provides cards affiliated with other types of businesses. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. And if you then use the card and pay off your balance in full each month, youll slowly build a solid credit history just dont make your payments late or run up charges that you cant pay off in full. Big-name retailers offer credit cards that provide in-store benefits for dedicated shoppers. However, we may receive compensation when you click on links to products from our partners. has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. For instance, searching for "Victoria's Secret Credit Card" brings up this page, where you can apply. You can check your BJ's Credit Card application status by calling the customer service department at (855) 269-1622. The only thing bad is that they card does always stops working and she has to call and order a new card. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Learn more. There are several ways that you can make your payment: As you make eligible purchases with your BJs One Mastercard Credit Card, earnings (which we also refer to as "pending rewards") automatically accumulate to your program earnings balance, and are usually visible on your BJs online account within 10 days. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); EDITORIAL DISCLOSURE:Opinions expressed here are authors alone, not those of any bank, credit card issuer, hotel, airline, or other entity. If youre rejected for the credit card, you may need to work on increasing your credit score. If you lost your Membership Card, you may: Have a replacement card printed, at no additional charge, at the Member Services desk in your local Club, or; Call Member Care for assistance at 800-BJS-CLUB (800-257-2582). We canceled out credit card and will opening a Sam's credit card instead. How can I reach the BJ's Credit Card customer service? Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Youll be able to make payments, set up paperless statements, add an authorized user and more. The financial institution did not provide the details. However, you may be pre-selected for an application. If your account was converted to Capital One, you can now activate your new BJ's One Mastercard and reenroll in online banking by visiting BJs.capitalone.com. With so many partnering stores, Comenity Bank offers a wide variety of retail credit cards, including online stores, clothing shops, furniture stores and more. BJs Login Steps Guide The easiest way you can apply for the BJ's Credit Card is online. Keep an eye on your inboxwell be sending over your first message soon. I also call it youre fired. All Rights Reserved. How do I make a payment on my BJ's One Mastercard. Check the data at the top of this page and the bank's website for the most current information. Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? Accumulated earnings remain in your program earnings balance until they are added to your program rewards balance when your BJ's One Mastercard billing statement issues each month, provided your credit card account is in good standing. There's no annual fee associated with the BJ's Perks credit card. Getting pre-selected for a Costco Credit Card indicates that your chances of being approved for an account are high ( 70% ), should you decide to apply. Editorial integrity is central to every article we publish. If your account was converted to Capital One, you can now activate your new BJ's One Mastercard and reenroll in online banking by visiting BJs.capitalone.com. Other things to know about the BJ's Credit Card approval process: If you get approved for the BJ's Credit Card, you should receive your card within 7-10 business days. Email? There is credit card bill payment information for people who already have a credit card for BJ's. BJS Card Login Or Official Support. This is THE WORST customer Service. 10 BJs Business Elite Credit Card holders earn 2% back in rewards on purchases made outside of BJs with their BJs Business Elite Credit Card, minus any returns, refunds or credit adjustments. The only bank that you have the right to apply for Bjs Credit Card on its platform and get it directly issued to you is Comenity Bank. Have submitted disputes after talking to them multiple times. See BJs.com/bjsoneterms for information on excluded services. Theyre idiots. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. I've seen members report Comenity approvals less than 6 months after a BK7 discharge which infers they don't have an immutable autodenial policy if a BK is reporting (at least, as long if they were not IIB) Purchases at BJs clubs, BJs Gas, BJs.com, BJs app, and B2B and BJs Global Sales transactions are not outside of BJs.. They need to fix this . That's what I figured. They call it universal default. Before you apply for a Comenity Bank credit card, though, be sure its a good option for you. While you dont receive a true cashback match with the card, you earn 3% cash back on most BJs purchases with the BJs Perks Plus card and 5% cash back on most BJs purchases with the BJs Perks Elite card. The homepage will appear. I have been a PenFed member since Mar. No, the Costco Credit Card doesn't have pre-approval. Please note that rewards cannot be used on certain purchases at BJ's, such as in-club purchases of exempted items restricted by law or regulation; shipping; sales taxes; bottle deposits; alcoholic beverages; cigarettes or tobacco-related products; lottery tickets; gift cards; propane; gasoline; BJs member Services (such as BJs Auto Buying Program. It should be noted that I am an authorized user on my wife's BJs credit card which is yet to show up on my credit reports at $15.1K. What does the BJ stand for? All authorized users on the BJ's One Mastercard. When youve accumulated enough rewards points through your purchases, youre issued reward vouchers in $20 increments. BJ's Wholesale Club is a membership-based warehouse club, similar to Costco or Sam's Club, that . Please let us know if you have any other questions. What's the interest rate on a BJ's Credit Card? Credit card offers are subject to credit approval. Comenity Bank might not be a name you hear much, but this major credit card issuer is behind many store credit cards on the market today. Accuracy, independence and authority remain as key principles of our editorial guidelines. You can use your BJ's Credit Card anywhere. What are my BJ's credit card approval odds? Must have a minimum balance of $10 in rewards to redeem. BJ's Online Card Application The only bank that you have the right to apply for Bj's Credit Card on its platform and get it directly issued to you is Comenity Bank. 6 Receive an instant discount of 15 off each gallon of fuel at BJs Gas when you use your BJs One+ Credit Card to pay for your fuel purchase and scan the associated membership card. In addition to pre-approved offers, which are sent by mail or email, most major credit card companies allow people to pre-qualify for their cards. See BJs.com/BJsOneTerms for information on excluded services. All cardmembers who are eligible to receive one should have a card shipped by February 27, but it may arrive by March 9. Your session is about to expire. The rewards program is provided by BJs Wholesale Club, Inc. and its terms may change at any time. Bye bye BJs MasterCard and BJs. Essential reads, delivered straight to your inbox. Can't get any help from BJ's either. Chip cards are the newest standard for payment security in the U.S. Your account information is protected from counterfeit fraud, thanks to a unique code that's created with every purchase. So, get it straight. Other instructions will be followed afterward. Email? Rewards will be added to the membership account in approximately 7-10 business days after credit card account opening. Searching for Ultamate Rewards Credit Card brings up this application page. * A new BJ's One+ Mastercard Credit Card will automatically be mailed to you. Credit card account must be in good standing. ; You will land on the "My Membership" page. Is this a better option? Must contact BJ's Member Care at 800-BJS-CLUB to request cash back in the form of a check prior to Award expiration. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Learning more about the terms and conditions of the card, as well as the rewards program and other perks, can help you decide if this credit card is right for you. Open a web browser now and visit - https://c.comenity.net/ac/bjs/public/home. 4 - Receive an instant discount of 10 o each gallon of fuel at BJ's Gas when you use your BJs One Credit Card or 15 o each gallon of fuel at BJ's Gas when you use your BJs One+ Credit Card to pay for your fuel purchase and scan the associated membership card. Currently, over 4 months (and counting) of trying to remove a fraudulent charge on this card. 5% / Goal: 750 by 12/22. Has anyone gotten a PERSONAL Pre-Approval for a BJ's mastercard? The Comenity BJ's Perks Mastercard is a store-branded credit card offered in collaboration with BJ's Wholesale Club. 1.5% back in rewards on purchases everywhere else Mastercard is accepted. A credit limit is the maximum balance youre allowed to carry on your BJs credit card. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. They even admitted that there was a glitch in their system.