Your BJ's rewards just got better! We've switched our credit card program over to Capital One. You should have received a new card in the mail. You can activate it through the Capital One Mobile app, online at BJs.capitalone.com or by calling 844-203-0662.
If you use your card for automatic or recurring payments, you'll need to update those payments with your new card information. Your BJs.com account information will remain the same.
We're switching our credit card program over to Capital One, which will give you the chance to earn bigger and better rewards! Your new card also has a new name and account number.
Yes! Any unexpired awards under your old account will automatically transfer to the new BJ's One™ Mastercard® program. Some great news — rewards earned in our new program never expire! Your credit card statement will show your rewards balance, and rewards will be ready for use at the start of your statement date each month.
No, your member ID is still the same. You can find it on the back of your new BJ's One™ Mastercard®, as well as on the cards of any authorized users on your account. Your new card, with a new credit card account number, was sent to you in the mail.
No, this will not be reported as a new account and your account open date will appear as the same date currently reported on your credit file. The information previously reported to the credit bureaus has been updated with the Capital One name, and the credit bureaus will continue to receive updates based on your ongoing account performance.
Yes, you can opt out of Capital One marketing emails by selecting the "Unsubscribe" option listed within any marketing email.
Yes, you can now update digital wallets and other forms of mobile and contactless payment, such as Apple Pay® and Google Pay, with your new card information.
Yes, any promotional offers received prior to February 24, 2023 will be honored.
If you have additional questions about your BJ's One™ Mastercard®, contact Capital One by calling the number on the back of your new card.
Your new card is tied to your BJ's membership tier. If you'd like to upgrade your card, all you need to do is upgrade your membership. To do so, go to BJs.com or visit Member Services at a BJ's near you. Once you upgrade your membership, you will also upgrade to the BJ's One+ Mastercard, and a new card will be sent to you. Your account open date will remain the same even if you upgrade your card. All of your rewards will transfer when you upgrade.
You should have received a new card with a new card number, expiration date and security code in the mail. You may now activate and start using it. Be sure to destroy your old card, and any authorized user cards, as soon as possible. If you have not yet received your new card in the mail, please call the number on the back of your existing BJ's Mastercard for further assistance.
You can activate your new card through the Capital One Mobile app, online at BJs.com or by calling 844-203-0662. For verification purposes, you may need to provide personal information such as your Social Security number and date of birth. Your old card will no longer work starting on February 27, 2023.
Be sure to destroy your old card and any authorized user cards under your account. If you use your card for automatic or recurring payments, remember to update those payments with your new card information. You can also link your new card to Apple Pay®, Google Pay, Fitbit and/or Samsung Pay.
No, BJ's team members cannot look up your Mastercard account information in-club, so make sure to activate your card and have it with you when you shop. You can also use ExpressPay® in the BJ's app so you can always easily access your account information.
Your card program has updated benefits based on your membership tier. With the BJ's One Mastercard, you earn:
With the BJ's One+ Mastercard or BJ's Business Elite Mastercard, you earn:
See your terms and conditions for more details.
Any unexpired awards will convert to rewards under the new program. Plus, now they never expire and are yours for the life of the account.
Yes, all accounts that are moving to the new program have been updated to the new rewards structure. Any unexpired credit card awards you earned on your old card will be converted to rewards under the new program.
Under the new program, your rewards no longer expire.
You can redeem your rewards at checkout for purchases in-club, online at BJs.com or in the BJ's app for eligible purchases of at least $10. Qualifying purchases must be greater than or equal to the reward value amount to be redeemed.
No, you must use your new credit card with your membership ID, which is located on the back of your credit card, at checkout to earn rewards.
Yes! You can now redeem your rewards for any amount over $10. New rewards will be added to your rewards balance when your next account statement issues, and your earned rewards balance will be listed on your statement each month (starting in March or April). You are also protected from your overall rewards balance going negative due to a return.
Yes, your earned awards from the old program will transfer over to the new program.
Yes, all Mastercard benefits carry over. With the BJ's One™ Mastercard® and BJ's One+™ Mastercard®, you have World Mastercard® status. With the BJ's Business Elite™ Mastercard®, you have World Elite Mastercard® status..
Yes, your new billing statement will have a new look and it will be mailed out from Capital One starting March 2023. Please note that paperless settings on your old account will not transfer over to your new account. If you would like to re-enroll in paperless statements, you will need to set up your new online account with Capital One.
No, your card does not have an annual fee, but you do have an annual BJ's membership fee. The BJ's One™ Mastercard® membership fee is currently $55/year and the BJ's One+™ Mastercard® and BJ's Business Elite™ Mastercard® membership fee is currently $110/year.
Yes, your enrollment in BJ's Easy Renewal® will carry over. You will get a reminder notification on your statement the month prior to the change, starting April 2023.
The late payment fee amount has not changed.
Yes, your statement will show the balance for rewards you had previously earned, but have not yet redeemed.
Yes, you will be able to see up to 12 months of statements once you're enrolled in Capital One online.
New Capital One statements will arrive March or April 2023, depending on your statement schedule. All authorized user activity will be included on a statement with the combined balance of the primary account holder and all authorized users on the account.
Yes, paperless settings on old accounts will not transfer over, so you need to re-enroll in paperless statements through your new Capital One online account.
Please note that this transition did not change your credit limit. You can consult the Change in Terms Letter you received in the mail from Capital One or wait for your first credit card statement to view more information regarding your account. You can also contact Capital One directly at 844-202-9570.
Capital One will honor promotional terms for the duration of the offer.
We are not offering balance transfers at this time.
There are a few new payment-related changes you should keep in mind:
Payment cutoff time: Payments made by mobile, online or over the phone by 8 p.m. ET, Monday–Saturday, will be credited to your account on the same day. Mail payments received by 5 p.m. local time at our processing center will be credited to your account on the same day. Payments made on a Sunday, Thanksgiving, Christmas or New Year's Day may not be credited that same day, unless the Payment Due Date is set for that date. Payments made in any other form may not be credited for the day they are received.
Online: You can make online payments through the Capital One website or mobile app.
Mail: Your statements will have a new design and payment address and will include a pre-addressed envelope for your payment. Send all Capital One payments to the address listed on your statement.
Phone: The servicing phone number has changed, along with some menu options. Please call the number on the back of your card. Clubs do not currently accept payments directly on-site.
Automatic monthly payment settings from your old account may have transferred over to your new Capital One account. You should have received a letter or an email that notified you whether your Autopay settings were transferred or canceled.
Future one-time scheduled payments have not transferred. Be sure to check your new account if you had a future payment scheduled. You can set up an account at BJs.capitalone.com to check the status of your payments.
While most recurring payments have been automatically transferred to your new card, we recommend updating your credit card information anywhere it's used for automatic or recurring payments, such as utilities or online subscriptions. Your new card has a new number, expiration date and security code.
You can now enroll with Capital One online! If you’re already a Capital One customer, you can use your existing Capital One username and password and add your new card to your account. This will allow you to view all your Capital One accounts at once.
Once you enroll online, you’ll be able to set up paperless statements, customized alerts and other features. Plus, your online account with Capital One will feature state-of-the-art digital tools and security benefits to keep your account safe.
If you’re already a Capital One customer, you can use your existing Capital One username and password to sign in. You will then be prompted to link your new BJ's One™ Mastercard® to your existing online account. This will allow you to view all your Capital One accounts at once.
Your new Capital One account has many features, including:
$0 Fraud Liability: If your card is lost or stolen, you will not be responsible for unauthorized charges.
Proactive Account Alerts: Receive an alert if Capital One detects a potential mistake or unexpected charge.
24/7 Customer Service: Helpful customer service representatives are available to assist you 24 hours a day.
Security Alerts: Get notified if Capital One notices potential suspicious activity on your account.
The Capital One Mobile app: Manage your account anywhere, anytime.
Some of your settings like AutoPay may have transferred, but others may not have and will need to be set up again in your new Capital One online account.
If you use other services like QuickBooks, TurboTax or Mint and you do not already have Capital One online access, you will first need to set up credentials with Capital One at BJs.capitalone.com. Your prior Comenity Capital Bank credentials have not transferred. Once completed, you will need to log into the service, disconnect your Comenity BJ's account connection, and navigate to add a new account. From there, choose Capital One, log into your Capital One account using those new credentials and choose your BJ's card(s) to connect.
If you already have Capital One credentials and have connected your Capital One accounts to those services, you will need to log into the service, disconnect your Comenity BJ's account connection, and navigate to add a new account. From there, choose Capital One, log into your Capital One account and choose your BJ's card(s) to connect.
Authorized users have remained on the account. New authorized user cards have been mailed to the primary account holder for each authorized user. Cards issued to each authorized user have a unique 16-digit card number different from that of the primary account holder, which provides for additional security. When the new card arrives, we recommend that authorized users update their profile on BJs.com with their new account number to avoid potential issues at checkout. Also, please note that authorized user activity will remain on the primary user's account statement with a combined balance due.
Yes, new authorized user cards have been mailed to the primary account holder for each authorized user. Each authorized user card has a unique 16-digit card number different from that of the primary account holder.
Yes, authorized user purchases are eligible to earn rewards with their BJ's One™ Mastercard®. Rewards earned by authorized users are added to the primary account holder's rewards balance. To earn rewards, authorized users must use the member ID located on the back of their credit card.