capitalone.com/applybjsdm Eligibility Requirements Explained

Before applying for a BJ's Credit Card through capitalone.com/applybjsdm, it's helpful to understand the basic eligibility requirements. Meeting these requirements can improve your chances of completing the application successfully and receiving a credit decision.

Who Can Apply at Capitalone.com/applybjsdm?

To apply through capitalone.com/applybjsdm, applicants generally need to meet a few standard requirements. While approval is never guaranteed, most applicants should be able to provide the following information and qualifications.

Basic Eligibility Requirements

• Be at least 18 years old (or the age of majority in your state).

• Have a valid Social Security Number or Tax Identification Number.

• Provide a valid residential address.

• Have a steady source of income.

• Be able to provide accurate personal and financial information.

• Have a credit history that can be reviewed as part of the application process.

• Be a BJ's member or qualify for the membership associated with the card program.

Information You May Need

When completing your application at capitalone.com/applybjsdm, you may be asked for:

• Full legal name

• Date of birth

• Home address

• Email address

• Phone number

• Social Security Number

• Employment information

• Annual income details

Factors That May Affect Approval

Capital One may review several factors before making a decision, including:

• Income information

• Existing debt obligations

• Credit history

• Credit utilization

• Overall credit profile

Keep in mind that meeting the basic eligibility requirements does not automatically guarantee approval.

FAQs

Do I need a BJ's membership to apply?

In most cases, the BJ's credit card program is intended for BJ's members.

Is there a minimum income requirement?

Capital One does not publicly list a specific minimum income requirement, but applicants must provide income information during the application process.

Can I apply if I have limited credit history?

You may apply, but approval depends on Capital One's review of your overall credit profile.

Does applying affect my credit score?

Submitting a credit card application may result in a credit inquiry as part of the review process.

What if I do not meet the eligibility requirements?

You may not qualify for approval, and Capital One may provide additional information regarding the application decision.