BJ Mastercard is it good?

[Kutuzov]

I manage two cs mine and my DW. Recently the AF for the cap1 QS show up, so I made her call and they refused to take it off. They did a temporary APR decrease to 15%. Now I know cap1 is a pain in the neck to deal with and my DW is not the kind of person that will contact the EO etc. So the easy way is just getting another less painful creditor with no AF. She shops at BJ a lot and the cc is not just a regular store card, is also a mc. The perks are what I believe to be on par with other cc, and some good ones for BJ purchases.

5% CB on all BJ purchases. And 7.99% apr on those purchases. Also auto bj renew at $75 instead of $100. I already was paying the membership so it's really a discount not an AF, and you can unenroll if you stop buying there. Good for big purchase and everyday ones. If I buy a tv at 1500, I get 5% cash bach and is 7.99 interest a year, so if I pay it all within a year I paid less than 2.99% interest a bargain.

2% cash back on gas and dinning outside bj.

1% cash back on everything else.

Compared to prime cc with 1-2% on most staff, and some with a 5% rotating categories I think this cc is just fine for her to have and she won't need a new one. What do you think?

[Jeff532003]

You forgot it also saves you 10 cents a gallon on BJ's gas. That combinded with the 5 cent off if you shop first promotion that they like to run is really nice.
I like mine a lot. I use it mostly just for BJ's purchases and then the occasional oddball expense like a vet visit last week. I definitely think it's worth it if your already a BJ's member. Rewards are painless and nice too. Once you reach 25 dollars you'll get an alert at check out asking you if you'd like to redeem it.

[Jeff532003]

Also I would convince her to at least email the EO at cap one. They'll gladly remove the fee. It all depends on what's important but to me the fee is fine until I can upgrade. It's built into a great relationship and I recently was approved for a 10k venture card.

[Kutuzov]

She is one of those people that gets upset every time she needs to do any paperwork, is highly unlikely she would go the extra mile if it's not an easy phone call it will not happen. And I'm the one paying the fee so I rather avoid it.

Yes you also can save 15c a gallon on gas at BJ.

I do believe the rewards of the bj are on par with other prime cards.

[Anonymous]

BJs card is a very good card...

[Kutuzov]

All right so she applie, and got approved for 1.5k. Her cap1 is 3.5 but won't matter cause she never used more than 1k credit on a single month. I make her keep the cap1 till next year and then when the AF kick in again I'll tell her to cancel.

Thanks for the insights.

[Anonymous]

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@Kutuzov wrote:

All right so she applie, and got approved for 1.5k. Her cap1 is 3.5 but won't matter cause she never used more than 1k credit on a single month. I make her keep the cap1 till next year and then when the AF kick in again I'll tell her to cancel.

Thanks for the insights.

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Congrats on the approval.. If she ever needs more, she can request a CLI...

[Kutuzov]

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@Anonymous wrote:

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@Kutuzov wrote:

All right so she applie, and got approved for 1.5k. Her cap1 is 3.5 but won't matter cause she never used more than 1k credit on a single month. I make her keep the cap1 till next year and then when the AF kick in again I'll tell her to cancel.

Thanks for the insights.

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Congrats on the approval.. If she ever needs more, she can request a CLI...

Yeap. If she doesn't get an auto CLI by next year, when time comes to close the cap1 I'll tell her to ask for one. Also I'm the one paying the bill, so I don't mind a low cl ...

[Kutuzov]

Thanks!! She got approved but I'm behind the scene so it's kind of my little victory too!

[Anonymous]

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@Kutuzov wrote:

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@Anonymous wrote:

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@Kutuzov wrote:

All right so she applie, and got approved for 1.5k. Her cap1 is 3.5 but won't matter cause she never used more than 1k credit on a single month. I make her keep the cap1 till next year and then when the AF kick in again I'll tell her to cancel.

Thanks for the insights.

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Congrats on the approval.. If she ever needs more, she can request a CLI...

Yeap. If she doesn't get an auto CLI by next year, when time comes to close the cap1 I'll tell her to ask for one. Also I'm the one paying the bill, so I don't mind a low cl ...

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Oh good.. I personally like that store better than Sam's club and Costco..  So good job to you both.