Terms and Conditions
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

13.99% or 24.99% when you open your account, based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% introductory APR for the first six billing cycles after the account is opened.

After that, your APR will be 13.99% or 24.99% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 30.24%, based on your creditworthiness.

This APR may be applied to your account if you make a late payment.

This APR will vary with the market based on the Prime Rate.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 



Annual Fee


Transaction Fees:


  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).

  • Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

  • Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:


  • Late Payment

Up to $35  

  • Over-the-Credit-Line


  • Returned Payment

Up to $35  

How We Will Calculate Your Balance: We use a method called "daily balance (including new purchases)".

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.

Terms and Conditions Continued:

Important Information about the BJs  Credit Card Program: Offers may vary. Please carefully review the reward benefits (such as bonus miles/points and how miles/points are earned), interest rates and account fees and terms of this particular offer before applying.

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.  

About This Offer: You must be at least 18 years of age. This 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 us. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may be unable to open an account for you.    


About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.

Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.

About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.

How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 01/30/2014 using a Prime Rate of 3.25%.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for your country of citizenship.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.

Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges may apply.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15/16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. If the total amount you request exceeds the assigned credit line on your new account, we may either decline the request or send a partial payment to your creditor(s).  The amount of available credit on your new account will be reduced by the amount transferred and the related balance transfer fees.  We reserve the right to decline to process any requested balance transfer.  We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights.  Upon approval of your application we will process the requested balance transfer payment to the account(s) which you have requested on the 10th day after we’ve mailed you your card; during this 10 day time period you may cancel your balance transfer by contacting us at the number on the back of your card.  

A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved. Balance transfers are subject to availability. We may deny balance transfer requests at any time and for any reason.

Paying Interest on Balance Transfers and Cash Advances:
We charge interest on balances transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge you interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues.

Cash Equivalent Purchases: The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see the Cardmember Agreement that will accompany your credit card upon account opening for more details.

The information contained in these disclosures is accurate as of 01/30/2014 and may change after this date.

Information Sharing:
Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that BJ's Wholesale Club, Inc. ("BJ's") and Barclays Bank Delaware may share information about me and my account to the extent necessary to administer the BJ's Visa Card in conjunction with the the BJ's Visa Program.

BJ's Visa Program
Your BJ's Visa Card is issued by Barclays Bank Delaware. BJ's is not a party to the Credit Card Cardmember Agreement. By accepting this card, you agree that Barclays may share information regarding your account, including the account number, transaction information, and contact information, with BJ's for the purposes of providing customer service to you for the Program.

Rewards under the Program are earned on purchases made with your BJ's Visa Card. Cardmembers do not earn points on balance transfers, convenience checks and cash advances unless specified otherwise. Points are not earned on unauthorized charges or fees of any kind, such as finance charges, late payment fees, annual fees, over limit fees, balance transfer fees, convenience check fees, cash advance fees, and Rewards Program fees. Points may be subtracted for credits posted to the account during the period for returned purchases and/or adjustments. Changes made to the above list are at the sole discretion of Barclays and BJ's.

Your account must remain open and in good standing to receive points offered under the Program. If your Account is in default as described in your Cardmember Agreement, we reserve the right to prohibit you from earning or redeeming points and such a default may result in a forfeiture of any unredeemed points on your Account. If your Account is closed for any reason, your membership in the Program will be terminated and your total unredeemed point balance on your Account will be forfeited.

To continue to participate in the rewards program, your account must remain open and in good standing, you must maintain your creditworthiness and you must use your card for at least one (1) purchase transaction every six (6) months (or have some type of account balance every six months).  Failure to meet these requirements may result in account closure and/or forfeiture of all outstanding points earned.  In addition, if your payment is late in a particular billing cycle, this may result in the forfeiture of points earned in that billing cycle.  If your points are forfeited for any reason, we will not reinstate these points to your account.

Earning Points
Points will accumulate at 2 (two) points per one dollar ($1.00) spent on eligible purchases at the front-end registers at BJ's Club locations and BJ's gas stations and online at BJ's web sites www.bjs.com and shop.bjs.com; points for all other purchases will accumulate at 1 (one) point per one dollar ($1.00) spent. Point accumulations will be reported monthly on your billing statement. Reward points are not transferable. A BJ's Bucks® check will be issued with your monthly statement in the amount of $30 for each 3,000 points accrued. Limit one BJ's Bucks check per statement and the BJ's Bucks check will be issued in increments of $30. Unused points will carry over to your next statement. Points are not transferable and will expire after 36 months. BJ's Bucks checks sent with your monthly statement will expire after 90 days if not redeemed.

If you are not a BJ's Member, you may be subject to a BJ's Non-Member surcharge to shop at BJ's Clubs. BJ's Bucks Checks can only be redeemed for purchases as permitted by law, for BJ's merchandise only through the front-end registers at BJ's Club locations. BJ's Bucks checks must be surrendered at the redemption and no photocopies will be honored. BJ's Bucks checks may not be redeemed for cash. BJ's Bucks checks are not transferable. Use of any BJ's Bucks checks is subject to any additional restrictions listed on the check.

From time to time, BJ's may offer special promotions on BJ's merchandise. If you are a BJ's Primary Member (A Primary member is the person who purchases a BJ's Membership under his or her name) or a paid Supplemental Member, you can earn additional points on these promotional offers. For a complete listing of BJ's specials and promotions, please visit your local BJ's store or www.bjs.com.

Other Restrictions
Barclays reserves the right to modify or cancel the Rewards Program at any time. Points, rewards, and certificates have no value except as used in accordance with the Terms and Conditions of the Program.

Determination and payment of tax liability related to participation in the Program are the sole responsibility of the Cardmember.

Neither BJ's nor Barclays are responsible for lost, stolen or damaged BJ's Bucks checks.

The Rewards Program is void where prohibited by federal, state or local law. Fraud or abuse relating to the accrual of points or redemption of Rewards may result in forfeiture of accrued points as well as cancellation of membership in the Program.

Important Information about BJ's Membership Auto Renew
On the application you were advised that you will be enrolled in BJ's Membership Auto Renew unless you decline this enrollment. If you did not decline this enrollment and you are approved for the BJ's Visa credit card, your BJ's Membership will be automatically renewed and billed directly to your BJ's Visa credit card. You agree that Barclays and BJ's may share information, including contact information. If you would like to enroll or cancel Auto Renew, please contact BJ's at 1-800-BJS-CLUB.

Important Information about BJ's Membership Number
When you applied for the BJ's Visa Card issued by Barclays Bank Delaware, you were requested to provide a BJ's Membership number. If you are a BJ's Primary or paid Supplemental Member, and gave us the Primary Cardmember's membership number, we will print that membership number on the back of your BJ's Visa credit card. In addition to being used for purchases, your new BJ's Visa credit card can also act as your BJ's membership card.


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