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About Our Ratings
Credit Needed
Excellent

BJ's Visa® Business Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Cashback on Gas
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1-5%
Unlimited 1.5% cash back
Cashback on other
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
0% Fixed
Period:
6 billing_cycles
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
15.24% - 18.24% Variable 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

BJ's Visa® Business Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
6 billing_cycles
Purchase Intro:
APR:
0% Fixed
Period:
6 billing_cycles
Purchase APR:
15.24% - 18.24% Variable
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 11.99 - 14.99
 11.99 - 14.99
 21.99
APR:
  15.24% - 18.24% Variable
 15.24% - 18.24% Variable
 25.24% Variable
APR Floor:
 11.99%
 11.99%
 21.99%
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 6 billing_cycles
 6 billing_cycles
 None


Finance Calculation Method:
 Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
 
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 If your payment is received late, you fail to pay at least the minimum due, your payment is not honored by your bank, or your balance exceeds your credit card line, the APR on all balances (including any introductory balances) may be increased to the then applicable Default APR.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3%
Late Fee:
 N/A
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
3% ($5 min. )  


Notes:

Rebate Description:
 Earn up to 2 points for every $1 charged when you use your BJ's Visa® Card in-Club or on BJs.com. Earn 1 point for every $1 charged anywhere else Visa cards are accepted. Earn 3,000 points and you'll automatically receive $30 in BJ's Bucks® in your next monthly statement that are good toward purchases at any Club location.
Special Notes:
 Applicant must be at least 18 years old. Offer is available only to applicants who are residents of the United States, with the exception of Iowa, Puerto Rico and the US territories, and may not be available if you already have or have had an account with Barclays Bank Delaware. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Returned Payment and Convenience Check Charge: $39. Penalty APR: Up to 29.99%, based on your creditworthiness. If your APRs are increased, the Penalty APR may apply indefinitely.
Credit Card More Information:

Card Issued By:
 Barclaycard
General Correspondence Address:

Card Type:
 Visa
Card Class:
 Classic/Standard
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Lester Davis ( Sep 30, 2014 at 3:41 pm)

    cm service these people do not know what they are doing. They do not know basic things, and common cents, how to solve problems.


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  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good