BJ’s Wholesale Club offers 2 BJs credit cards: The BJs One Mastercard and BJs One+ Mastercard.
BJ’s Wholesale is a membership-only warehouse club chain operating primarily on the East Coast of the United States. As a trusted name in bulk grocery shopping, the brand extends its value through the BJs Capital One credit card. Tailored for frequent shoppers, this card offers a myriad of benefits, from cash back rewards to exclusive in-store deals. In this review, we will take a look at the BJ’s credit card, shedding light on its features, benefits, and how it stands out in a crowded market of retail credit cards.
Features and Benefits: BJ’s Wholesale Credit Cards
If you’re a frequent shopper of BJ’s Wholesale, you’ll be aware that they offer dual memberships. Mirroring this, they provide two distinct credit cards, each tailored to a specific membership tier. Depending on your membership type, you qualify for a corresponding credit card, each with its own unique set of rewards.
BJ’s Mastercard:
1. Rewarding Shopping at BJ’s: With the BJ’s One Mastercard, every trip to BJ’s Wholesale can be more rewarding. For every purchase, you get 3% back in rewards, ensuring that every dollar you spend fetches more value.
2. Versatile Rewards: You’ll earn 1.5% back in rewards on all your purchases, irrespective of where you shop, as long as Mastercard is accepted.
3. Fuel Savings: BJ’s Gas stations become even more attractive with a neat 10¢ off on every gallon, ensuring you save more every time you refuel.
4. Evergreen Rewards: What’s the use of rewards if they have a short shelf life? Fortunately, with the BJ’s One Mastercard, your rewards never expire. So, take your time and spend them as you wish.
5. Multiple Redemption Options: Be it in-club, on BJs.com, or via the BJ’s app; you can redeem your rewards wherever you prefer.
6. A Wallet-friendly Choice: With this card, you can keep your wallet happy as it comes with no annual credit card fee.
BJ’s One+ Mastercard:
1. Maximized Rewards at BJ’s: Loyalty should always be rewarded, and the BJ’s One+ Mastercard does it best with a whopping 5% back in rewards on most of your purchases at BJ’s.
2. Greater Returns on Other Purchases: Whether dining out, shopping online, or catching a movie, get 2% back in rewards everywhere else where Mastercard is accepted.
3. Bigger Fuel Discounts: BJ’s Gas stations with the BJ’s One+ card? Enjoy a generous 15¢ off per gallon, allowing your travels to be lighter on the pocket.
4. Non-Expiring Rewards: Like its sibling card, the rewards here don’t expire either. The freedom to spend them when and how you wish is all yours.
5. Flexible Reward Redemptions: Redeem with ease, whether you’re in-club, shopping online at BJs.com, or using the BJ’s app.
6. Zero Annual Fees: With the BJ’s One+ Mastercard, enjoy all the benefits without any yearly charges.
How To Apply For The BJs Credit Card
Applying for the BJ’s credit card is a straightforward process, and many find that getting approved is relatively easy. If you’re unsure about your eligibility, you can even check for pre-approval, which won’t risk impacting your credit score. (And speaking of credit scores, you usually need a score of 650-700 in order to be approved!)
To initiate your application, simply visit the BJ’s membership area in-club, or look out for a prompt when checking out online. There are two primary platforms where you can complete your application:
1. Capital One’s official website not only provides an avenue to apply but gives you more card details since they host the card.
2. Alternatively, you can head to BJ’s official card page. Here, you can view more information, check for pre-approval without any risk to your credit score, and even use a handy tool that projects potential rewards based on your spending habits.
*Its worth noting, you need to be a BJ’s member in order to apply for the BJs Mastercard.
Whichever method you choose, ensure that you’re familiar with the card’s terms and benefits. By understanding the nuances of the BJ credit card application process, you position yourself for a better chance of approval and make the most out of your card once it’s in your hands.
Logging into Your BJ’s Credit Card Account
Accessing your BJ’s credit card account online is both quick and secure, thanks to the partnership with Capital One. Whether you’re looking to review your recent transactions, check your rewards balance, or simply update personal details, the online portal is your one-stop destination for all account-related activities.
Here’s a step-by-step guide to help you navigate the BJs credit card login process:
1. Navigate to the Official Portal: Start by visiting bjs.capitalone.com. This is the official login portal, specifically designed for BJ’s credit cardholders.
2. Enter Your Credentials: On the homepage, you’ll find fields to enter your username and password. Ensure that you input the details associated with your BJ credit card log in.
3. Troubleshooting Access: If you encounter any issues while trying to access your account or have forgotten your login credentials, look for the “Forgot Username or Password” link on the page. Clicking this will guide you through the process of retrieving or resetting your information.
4. Dashboard Overview: Once logged in, you’ll land on your account dashboard. Here, you can get a comprehensive view of your card’s activity, from your current balance to your rewards accumulation.
5. Logging Out: For security reasons, especially if you’re accessing your bjs mastercard login from a public computer, always remember to log out after you’ve finished reviewing your account.
Should you need further assistance with your BJs credit card login in or encounter specific problems, the portal also provides a help section and contact details for the BJ wholesale credit card login support team. Regularly checking your account is a proactive way to stay updated on your financial activities and ensure all transactions align with your records.
Making Payments and Navigating the New BJ’s & Capital One Credit Card Platform
In the past, the BJ’s credit card was affiliated with Comenity Bank. However, as of last summer, there’s been a change to Capital One, which has now taken over, making it the official financial institution backing the BJ’s credit card. This has led to some changes in how you manage your card, especially when it comes to making payments.
Making Payments with Your BJ’s Credit Card on the New Platform:
If you’re aiming to make a payment or clear your dues, here’s what you need to know:
Unified Portal: All BJ credit card payment activities now take place exclusively on the Capital One portal. Avoid using any old links or references related to Comenity when attempting to pay your dues. You can make your BJs credit card payment through the bjs.capitalone.com portal.
Setting Up Automatic Payments: On the Capital One portal, you can also set up automatic payments. This ensures that you never miss a due date, especially helpful for those who like to automate their finances.
Payment History: The portal also provides a detailed breakdown of your payment history, so you can track past payments and verify that all transactions are correct.
Navigating the Transition from Comenity to Capital One:
Again it’s crucial to stress that Comenity Bank is no longer associated with the BJ’s credit card. Here’s why you need to keep an eye out:
1. Search Engine Confusion: You might still come across “BJ credit card comenity” or “comenity BJs” links on search engines. It’s advised to bypass these and stick strictly to the official Capital One portal for all your card-related needs.
2. Trust Only Official Communication: Any correspondence or communications regarding your BJs credit card should come directly from Capital One or BJ’s Wholesale. Avoid any interactions claiming to be from Comenity regarding this card.
3. Stay Updated: Keep an eye on any updates from BJs or Capital One, as they might introduce new features, benefits, or changes to the card’s terms in the future.
Understanding these changes and being mindful of which platform you’re using will ensure a smoother, more secure experience with your BJ’s credit card. Always prioritize official channels and stay vigilant to avoid any potential mix-ups or issues.
Customer Support for the BJ’s Credit Card
Owning a credit card comes with its share of questions and potential issues. Luckily, the BJ’s Credit Card ensures you’re not left in the dark.
Where to Seek Help:
1. Official Portal: Before diving into a phone call, consider visiting the official Capital One site for the BJ’s Credit Card. The BJs.capitalone.com website provides a comprehensive FAQ section, account management tools, and more. Often, you can find quick answers to general questions here.
2. BJs Help Line: For specific concerns about the BJ’s Wholesale Club or its in-club offers, you can reach out directly to the BJ’s helpline at (800)-257-2582. They’re equipped to address any inquiries or issues related to the BJ’s aspect of the card.
3. Capital One Support for BJ’s One™ Mastercard®: If you have more nuanced questions about your BJ’s One™ Mastercard®, the best route is to directly contact Capital One. The most straightforward way? Simply call the number located on the back of your card. It’s tailored to cater to BJ’s credit cardholders and ensures you’re speaking to the right department.
4. Alternate Capital One Support: In rare instances where you can’t access or view the number on the back of your card, there’s no need to worry. Capital One has a general helpline at 1-877-383-4802. Once connected, they can guide you to the appropriate department for BJ’s credit card-related support.
Should I Get The BJ’s Credit Card?
Deciding on a credit card isn’t always straightforward. It requires careful consideration of benefits, terms, and how it aligns with your spending habits and financial . Let’s recap our deep dive into the BJ’s credit card to help you decide.
Benefits:
– Rewards: Depending on the card type—either the BJ’s One Mastercard or the BJ’s One+ Mastercard—members earn a substantial percentage back in rewards for in-club purchases. Outside BJ’s, the cards still ensure you rake in decent rewards on your other everyday expenses.
– Gas Savings: Frequent drivers can enjoy significant discounts on fuel at BJ’s Gas® stations.
– No Expiry on Rewards: You can take your time to decide when and where to redeem, without the pressure of rewards vanishing.
– Zero Annual Fee: Another financial perk, the card doesn’t burden you with an annual fee.
Application and Management:
– Easily apply through the Capital One portal or the official BJ’s site. Plus, get a hint on your approval chances through the pre-approval tool without affecting your credit score.
– Manage your account seamlessly through the Capital One portal, ensuring hassle-free BJs credit card login, payments, and general account management.
Support:
– Responsive customer service channels, including a dedicated phone line and the BJ credit card customer service provided by Capital One.
Drawbacks:
– As with many store-specific cards, the most lucrative rewards are confined to purchases within the store. While there are benefits outside of BJ’s, they might not be as competitive as general-purpose credit cards.
– The APR, ranging between 19.99% to 29.99%, can be on the higher side compared to some other credit cards.
So, is the BJ’s credit card for you?
If you find yourself regularly shopping at BJ’s Wholesale or refueling at BJ’s Gas stations, this card is a no-brainer. It amplifies the value you get from every dollar spent, and the lack of an annual fee makes it a financially sensible choice.
However, for those who occasionally shop at BJ’s, the card might not offer the best value. In this case, a more generalized rewards card might serve your broader shopping habits better.
In essence, the BJ’s credit card offers undeniable benefits for loyal customers. Align your shopping habits with the rewards structure, and you’ll find either an invaluable financial tool or a card that doesn’t quite fit the bill.
