Pros And Cons Of Owning A Bjs Credit Card

The Pros and Cons of Owning a BJs’ Credit Card
Credit cards are American as apple pie. Numerous households across the United States have multiple credit cards. They have credit cards from major financial institutions like Capital One, Wells Fargo, and Citi. They also have store-branded credit cards that offer them exclusive savings and promotions at a specific retailer. Some store-branded credit cards are backed by major credit cards, such as MasterCard and Visa, allowing cardholders to use their cards both in-store and everywhere else the MasterCard and Visa are accepted.
BJs’ Credit Card is one such store-branded credit card. BJ’s is an American wholesale club that’s only accessible to members. BJ’s Wholesale Clubs are located throughout

Many people who are members of the wholesale club see value in this. They can shop at the retail giant and stock up on items they use on a regular basis. If they own a BJ’s credit card, then they can charge their purchase, allowing them to extend their household’s budget.
Additionally, the BJs’ credit card offers cardholders exclusive benefits. Cardholders can earn cash back on their purchases. With the ability to earn cash back, cardholders are saving money on their purchases.
Cardholders also receive a reduced price at the pump. Instead of paying the regular price listed, cardholders save an additional $.10 off the price of each gallon of gas at the pump. With gas prices fluctuating up throughout the year, the ability to reduce the cost of gas can save household hundreds of dollars of the course of a year.
BJ’s offers three different Mastercards, the My BJ’s Perks MasterCard, the My BJ’s Perks World MasterCard, and the My BJ’s Perks World for Business Card. Each credit card offers exclusive myBJsperks that allow cardholders to accrue points that can be used towards a future

The myBJsperks aren’t as attractive as other credit cards. Cardholders who want to take advantage of these perks have to spend handsomely at BJ’s to see significant rewards. Unfortunately, some people may find that spending a lot isn’t cost-effective when it comes to the reward they receive.
The interest rate for the credit card varies between 13.99 to 27.99%, based on credit. The wide range between the lowest and highest interest rate may be alarming to some because in the event of a problem, Comenity Capital Bank, the issuer of the card, may increase the cardholders interest rate.
Of course, to get approved for the credit card, would-be cardholders must have acceptable credit. Unfortunately, people who have unfavorable credit history based on Comenity Capital Bank’s standards are often declined for the card.
Managing the Card Online
One of the perks of owning a BJ’s credit card is the fact that you can manage your credit card online. Cardholders can use the BJs credit card login to access their account. Once there, they have access to a host of activities, including the ability to make payments, review their usage, and change their personal