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BJ's Credit Card

BJ’s Credit Card

Searching for the BJ’s credit card? Looking for a store-card and a general purpose credit card all in one? The BJ’s credit card is now available, and this guide gives you information on the card’s rewards scheme, exclusive incentives and credit card terms and conditions.

BJ’s Visa Credit Card

Offered by Barclaycard USA, the BJ’s Visa Card is both a store card and a balance transfer card which has good benefits for those who want a good all-rounder and who make frequent purchases at BJ’s, or have a balance they want to transfer.

This card has a points scheme which builds points over time, which you can transfer into savings certificates once you have enough points on your account. You get 2 points for every dollar you spend at BJ’s (website, in-store, gas stations) and 1 point for every dollar you spend which accepts Visa. Once you reach the threshold of 3000 points (between $1500 and $3000 spent) you get a $30 BJ’s Bucks certificate which you can use on any BJ’s products. You also have the chance to earn extra points on special BJ’s offers and promotions. Be aware that from the moment you earn points on purchases, those points will expire after 3 years, and BJ’s bucks checks expire after 90 days of issuance.

In terms of APR, it helps to be careful in your application as the two given APRs are very different.

BJ’s Credit Card Terms and Conditions

The Annual Percentage Rate for the BJ’s credit card is either 13.99% or 24.99% variable for purchases and non-introductory balance transfers, and the rate you get will depend on your creditworthiness. There is an introductory 0% APR on balance transfers for 6 months. APR for cash advances is 25.24%. Penalty APR is 30.24%. No annual fee. Late penalty and returned payment fee both up to $35. Complete terms and conditions for the BJ’s credit card can be found on the cards website.

The BJ’s credit card is issued by Barclaycard USA, and if you want an online account service to make bill payments then you must set it up with them. You can set up online access for your card or login to the service.

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