If you frequently shop at BJ’s Wholesale Club, and you are looking for a credit card, you may be interested in the BJ’s Credit Card. Because the BJ’s Visa card is specifically aimed at people who make many purchases at BJ’s, this will be extremely helpful to you, and allow you to save a significant amount of money on your purchases.
However, there are many other credit cards that are available to you as well, and another one may offer a better deal. What follows should give you enough information to get a good start in your decision process.
Read through this BJ’s credit card review and then be sure to use the free tool for comparing credit card offers!
BJ’s Credit Card Rewards
The BJ’s credit card will reward you for shopping at BJ’s, and give you related rewards. First, you will earn 2 points for every dollar you spend at BJ’s using your card. In addition to this, you will earn 1 point for every dollar you spend at other location using your BJ’s credit card.
Once you accumulate 2,000 points, you will receive $20 of BJ’s credit that you can spend immediately. As you can see, for all people who make frequent purchases at BJ’s and make their payments properly, this credit card essentially gives you money.
However, it is a much worse deal for people who do not shop at BJ’s very often, or at all. This is particularly true when you realize you could get a different credit card that rewards you for shopping elsewhere, or possibly a generic card with lower rates or different features.
This credit card also has other positive features that may influence your decision. First, you can use it as your BJ’s Membership Card, as it will have your membership number printed on it. This can be a time saver, as well as reducing the number of cards you have to carry around.
Additionally, the BJ’s card has no annual fee. On top of these great benefits, the BJ’s card starts you off with a lower rate, and gives you 1,000 points for your first purchase. Simply signing up for this card gives you important benefits.
It is obvious that the BJ’s Credit Card can give you many great improvements to your lifestyle. However, this will only be true if you regularly shop at BJ’s. If you do not, rather than changing your shopping habits, you are probably better off with a different card.
If you compare the APR of this card to another, and compare the side benefits that they offer, you should be able to get a good understanding of which card is better for you.
Additionally, if you figure out your average shopping habits, you should be able to calculate how much money each card will save or cost. Get started comparing credit card offers now!