Points - Generic
| Initial Bonus None |
Base Earn 1 point/$1 |
Max Earn 2 points/$1 |
Earn / Redeem Limit No |
- Earn 2 points at BJ’s and 1 point everywhere else.
- Every 3,000 points gets you $30 in BJ's Bucks.
- Earn additional points on BJ's specials and promotions.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 13.99% - 24.99% |
| Intro Rate0% | Intro Period6 months | Regular Rate13.99% - 24.99% | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% |
Cash Advance Fee 5% (min $10) |
- No Annual Fee.
- 0% Intro APR on Balance Transfers.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 30.24%
- Grace Period: 23 days
- Online Response: Yes
- Foreign Transaction Fee: 3%
If you currently have the BJ's Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.
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Compare the BJ's Credit Card against other major online credit card offers.
BJ's Credit Card is related to the following credit card categories:
- Balance Transfer Points Credit Cards
- Rewards Credit Cards for Excellent Credit
- Rewards Credit Cards with No Annual Fee
- Barclays Credit Cards for Good Credit
- Credit Cards for Good Credit with No Annual Fee
- Barclays Balance Transfer Credit Cards
- Unsecured VISA Credit Cards
- Barclays Credit Cards for Excellent Credit
- Balance Transfer Credit Cards for Good Credit
- Credit Cards for Excellent Credit
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the BJ's Credit Card shown on this page.
The card information shown on this page was last updated: May 7th, 2012 at 3:31 EDT
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Watchin B.J. Raji kill it in the new “discount double check” commercial yesterday made me wonder what the BJ’s Credit Card has to offer. After all, I am a credit card geek and B.J. is obviously a hit on the gridiron and the small screen, so who knows, maybe the initials are just big time. As you can see from checking out the above, the BJ’s Credit Card offers 2 points for every dollar spent at BJ’s wholesale club and 1 point for every dollar spent elsewhere. Every 3,000 points you gather, you get a $30 BJ’s gift card. This means that if you use a BJ’s Card solely at BJ’s locations, it will act as a 2% cash back card. That’s not too bad, but since the BJ’s Credit Card requires good or excellent credit for approval, you can do better. You can also do better than the 0% on balance transfers it offers for the first six months. For example, the Blue Cash Everyday Credit Card from American Express not only offers a $100 cash initial bonus but it also gives you 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% on everything else. You won’t get the 3% cash back rate at warehouse clubs like BJ’s but if you can find prices equivalent to those at Bj’s elsewhere, this card could be pretty useful. A card like the Chase Sapphire Preferred has a $500 initial bonus as well, so it might be a more attractive option for you. If you have a choice of warehouse clubs also, the TrueEarnings Card from Costco and American Express could be more lucrative than the BJ’s Credit Card, as it offers 3% cash back on your first $3,000 spent each year on gas, 2% on restaurants and travel and 1% elsewhere. Finally if you want a 0% rate, opt for one of the Citicards with 0% on both purchases and transfers for 21 months.