What Credit Score Is Needed for a BJ’s Credit Card?

3 min read

The BJ’s One Mastercard from Capital One offers solid cash-back rewards on gas, groceries, and purchases at BJ’s Wholesale Club. It’s a practical option for frequent shoppers looking to stretch their spending.

Before you apply, it helps to know what credit score you’ll likely need—and how to make sure your overall financial profile is ready.

Most approved applicants for the BJ’s One Mastercard have a credit score of 660 or higher. That’s in the “fair to good” range. While a 660 score may get you in, applicants with higher scores typically qualify for better credit limits and terms.

Capital One also reviews your income, debt-to-income ratio, and recent credit activity. If your score is borderline, paying down balances, staying current on bills, and holding off on other applications can give your profile a boost.

What Else Impacts Your Application?

Credit score is just one part of the decision. Capital One also looks at:

  • Income – A steady income reassures lenders that you can manage monthly payments.
  • Debt-to-income ratio – A lower ratio suggests you’re not overextended.
  • Negative marks – Items like collections, missed payments, or bankruptcies can reduce your chances.

How to Boost Your Odds of Approval

If you’re planning to apply for a BJ’s credit card, take these steps first to improve your chances:

Check Your Credit Reports

Get your credit reports from all three credit bureaus and review them for errors or outdated information. Dispute anything inaccurate.

Pay Bills On Time

A history of on-time payments helps your credit score and signals reliability to lenders. Even one late payment can do damage, so stay consistent.

Lower Your Credit Utilization

Try to keep your balances under 30% of your total credit limit. This helps improve your credit score and shows you’re managing credit responsibly.

Avoid Multiple Applications

Limit how often you apply for new credit. Each application creates a hard inquiry, which can temporarily lower your score.

Improve Your Credit Before You Apply

If you’re dealing with late payments, charge-offs, or other negative marks, your score might not be where it needs to be yet. Credit Saint helps clients challenge inaccurate items and rebuild their credit standing.

They even offer a 90-day money-back guarantee, so there’s no downside to getting started. If you want to improve your odds of getting approved for the BJ’s One Mastercard, visit their website and take the first step today.

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