What the BJ's Capital One Credit Card Is

The BJ's Capital One credit card is a co-branded card issued by Capital One that gives you rewards when you shop at BJ's Wholesale Club. You earn cash back on purchases at BJ's and on everyday spending outside the club. The card is designed for people who shop at BJ's regularly and want to stack rewards on top of their membership benefits.

This is not the same as a general Capital One card — it's built specifically for BJ's members. You need a BJ's membership to use it, and the rewards structure is tied to where you spend your money.

Key Takeaways

  • The BJ's Capital One card earns cash back at BJ's and on other purchases, but the rate depends on which version of the card you hold.
  • You must have an active BJ's Wholesale Club membership to open and use this card.
  • Capital One reports your payment history to the credit bureaus, so on-time payments help build your credit score.
  • The card has an annual fee that varies by membership tier, and you pay it whether or not you use the card.
  • You can manage your account online through Capital One's website or mobile app, where you can check your balance, make payments, and track rewards.

How the Rewards Structure Works

Cash back rates vary depending on which BJ's membership level you have. Members with a standard BJ's membership earn one rate, while members with a premium tier earn a higher rate. The card also earns cash back on purchases outside BJ's, though usually at a lower percentage.

Rewards post to your account as a statement credit or can be redeemed for cash. You do not have to wait until a certain balance to redeem — many cardholders use rewards to offset their next statement or request a check. Check your cardholder agreement or log into your account to see the exact rates for your membership level, since these can change.

Annual Fee and Membership Costs

The BJ's Capital One card carries an annual fee. This fee is separate from your BJ's membership fee — you pay both. The card's annual fee is charged to your account once per year, usually on your account anniversary or the month you opened the card.

Some cardholders offset this fee by earning enough cash back to cover it within the year. Others find the combination of card rewards and BJ's membership discounts worth the total cost. You should calculate whether the rewards you expect to earn will exceed the annual fee before you open the card.

How to Open an Account

You can open a BJ's Capital One card online through BJ's website, in a BJ's warehouse, or by phone. You will need your BJ's membership number, a Social Security number, and basic personal information like your address and income. Capital One will check your credit during the process process.

The approval decision usually comes within minutes if you explore online. If you are approved, your card ships to the address on file within 7 to 10 business days. You can start using the card as soon as it arrives — you do not need to wait for it to be activated in most cases, though you can set up it online or by phone if you prefer.

Making Payments and Managing Your Account

You can pay your BJ's Capital One bill online through Capital One's website or mobile app, by phone, by mail, or in person at a BJ's warehouse. Online and phone payments usually post within one business day. Mail payments take 5 to 7 business days, so plan ahead if you are close to your due date.

Set up automatic payments if you want to avoid missing a due date. You can choose to pay the full balance, the minimum payment, or a fixed amount each month. Your account dashboard shows your current balance, available credit, rewards balance, and payment history. Capital One reports your account activity to the three major credit bureaus, so on-time payments help build your credit score over time.

What Happens If You Carry a Balance

If you do not pay your full balance by the due date, Capital One charges interest on the remaining amount. The interest rate (APR) is set when you open the account and is based on your credit score and history. You can find your current APR in your cardholder agreement or by logging into your account.

Carrying a balance also means you pay interest on new purchases until the entire balance is paid off. If you want to avoid interest charges, pay your full statement balance by the due date each month. If you are struggling to pay, contact Capital One to discuss options — they sometimes offer hardship programs or payment plans.

How This Card Affects Your Credit

Opening a BJ's Capital One card triggers a hard inquiry on your credit report, which may lower your score by a few points temporarily. Once the account is open, Capital One reports your payment history, credit utilization, and account age to the credit bureaus each month. This information is used to calculate your credit score.

Paying on time every month helps your score. Carrying a high balance relative to your credit limit (high utilization) can hurt your score, even if you pay on time. Closing the account later does not erase the history — the account will remain on your report for up to 10 years, which can help your long-term credit profile.

Frequently Asked Questions

Do I need a BJ's membership to get this card?

Yes. You must have an active BJ's Wholesale Club membership to open and use the BJ's Capital One card. If your membership expires, you will not earn rewards until you renew it, though you can still use the card for regular purchases.

What if I lose my card or it gets stolen?

Call Capital One when ready at the number on the back of your card or log into your account online to report it. Capital One will freeze the card to prevent unauthorized use and ship you a replacement within 7 to 10 business days. You are not responsible for fraudulent charges if you report the loss promptly.

Can I transfer my balance from another credit card to this one?

Some versions of the BJ's Capital One card offer balance transfer options, but not all. Check your offer letter or call Capital One to ask whether balance transfers are available on your account. If they are, there is usually a fee of 3 to 5 percent of the amount transferred.

What if I want to close my account?

You can close your BJ's Capital One card by calling Capital One or requesting closure through your online account. Pay off any remaining balance first. Closing the account does not erase your payment history, and the account will remain on your credit report for several years.

How do I check my rewards balance?

Log into your Capital One account online or through the mobile app to see your current rewards balance. You can also call the number on the back of your card. Rewards are usually shown as a statement credit amount or as cash you can redeem.