Wholesale club credit cards like BJ’s seem like a wonderful idea at first. They will allow you to make your purchases at the company’s stores more easily, and they will also reward you in different ways to get discounts on your purchases.
Before you apply and venture into store credit cards, you should know how they work and their benefits; it is the most effective way to ensure they are right.
BJ’s community login
When you join the BJ’s community, you can earn up to 65% off your purchases of electronics, office, furniture, outdoor, baby products, and much more.
You first need to access the BJ’s website and click on the “apply for credit card” option; here, you must enter your membership number and your full name to get started.
When you click on “Continue,” a new form will appear where you must add some of your personal information to send the credit card and confirm your identity. You will also be asked for data related to your monthly income, and you need to provide your SSN.
Requirements to apply for your BJ’s credit card
You must be a US citizen to qualify for this product, prove that you are 18 years of age or older, and have your SSN. You must provide an email address and phone number during registration, and you must not be late with the bank.
If you have problems, you can request the form at any retail store; you will always find an agent willing to help you. It would help if you remembered that the company has two credit cards, BJ’s Perks Plus and BJ’s Perks Elite.
Difference between the BJ’s Perks Plus and BJ’s Perks Elite Credit Cards
You will be eligible for either card, depending on your membership level. If you are a BJ’s Inner Circle member, you can apply for My BJ’s Perks Plus credit card; the membership to be part of the Inner Circle community is $55 per year.
If you are a BJ’s Perks Rewards member, you can opt for My BJ’s Perks Elite card; the membership will be more expensive, twice as much as the previous one, $110 per year. Both credit cards have excellent benefits related to the rewards earned for usage.
The most significant difference between the two is the membership fee. Of course, the benefits also change between them. When you have the Perks Elite Credit Card, you will enjoy 5% cashback on almost all purchases at any of their stores.
If you have BJ’s Perks Plus Credit Card, you will only enjoy 3% cashback. As for the rest of the benefits, have the same; you’ll get 2% cash back on gas or grocery purchases outside BJ’s stores.
You will also earn $0.10 cashback on every gallon of gas and 1% on all other purchases. When you reach one year with your credit cards, the membership renewal will increase; for the Perks Plus Basic card, it will be 40%, and for the Perks Elite card, it will be $75.
Regardless of which of the two options you apply for, it will help you score 670 or higher. Otherwise, it won’t be easy to be approved for either option, and you will need to improve your credit before applying.
Learn how to pay off your BJ’s credit card
To keep your credit up to date with BJ’s, you must make your payments up to date, like any credit card; if you are late, you will have to pay late payment interest, which is not always the lowest.
If you recently acquired your card, you must first register on the website; online payments are the easiest. Go to BJ’s MasterCard site and click on “register now” enter your credit card number, zip code, social security number, and the last four numbers of your social security number.
Make sure you have entered everything correctly and click on the “Find My Account” button. When you validate the information, it will take you to a new page to create your username and password to allow you to log in.
Log in and pay your bill
Once you have your username and password, log in to your account and look for the “account” tab, you will see a summary of your expenses and the amount owed. Seek the option “pay by credit card,” enter the amount and set up a credit card or checking account.
Validate the operation and will make the payment immediately. If you want to avoid late payment charges, pay before 5 pm. You also can set up automatic payments, register your checking account and add the payment days.
If you do not have time to set up your account to perform the procedure through BJ’s Comenity, you can use the EasyPay system. You can log in without having an account, log in to BJ’s Comenity MasterCard and click on the EasyPay link.
Here you only have to add your credit card number, zip code, your SSN, and the last four numbers of your social security number, and you are ready; the payment instructions will appear where you have to enter all the information of your bank check to complete the transaction with electronic debit.
Contact the customer service numbers and make your payments
BJ’s customer service is available 24 hours a day; call 1 – 855 – 269 – 1622 and follow the operator’s steps to complete your payment. You can also ask to speak to an agent if you have problems validating your payment.
Finally, there are many options; you have to make sure you choose the right one before your debt is due. The process will help you avoid setbacks that may force you to pay interest.