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Frequently Asked Questions (FAQs)

• What are the benefits of being a My BJ's Perks® Mastercard® Credit Card cardmember?
  A My BJ's Perks® Mastercard® Credit Card gives you the freedom to shop your way. Learn more about the perks of being a cardmember on the benefits page.
• Are there any fees associated with a My BJ's Perks® Mastercard® Credit Card?
  Please

  refer to the Credit Card Agreement

  (CCA) for information about any fees or charges associated with being a My BJ's Perks® Mastercard® Credit Card cardmember.
• Who is Comenity?
  Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers – customers just like you – credit programs that connect loyal shoppers to the brands they love.
• What is the My BJ's Perks® Mastercard® Credit Card Agreement (CCA)?
  The Credit Card Agreement (CCA) covers the terms of your account with Comenity Capital Bank and contains important information about using and managing your account. In the CCA, you will find a detailed explanation of the My BJ's Perks® Mastercard® Credit Card terms and conditions. The current CCA is

  available to review online

  .
• Can I apply for a My BJ's Perks® Mastercard® Credit Card account if I do not have a U.S. address?
  To apply for a My BJ's Perks® Mastercard® Credit Card account you must meet the legal age requirements of your state or territory and have a U.S. mailing address including street, rural route or APO/FPO (we're unable to accept P.O. Box mailing addresses). To apply in-store, you must present a valid government issued photo ID. In-store and online applications also require a valid government-issued Taxpayer Identification Number, such as an SSN or SIN.
• What is the credit limit and Annual Percentage Rate (APR) for the My BJ's Perks® Mastercard® Credit Card?

  Credit Limit and APR are dependent on your creditworthiness. You'll be notified of your credit limit and other account details after approval.

• How do you keep my data collected through the credit card application process safe?
  We take information security seriously. That's why we use encryption technology to protect your personal account information, including your credit card account number, Social Security Number, name, address, phone number and email address. Visit our Security page for more information about the measures we take to protect your information.