I am looking to begin building my credit history and I absolutely love shopping at BJs. Should I use their card to build my credit history, or are there any other credit cards you could recommend instead?

Answered on April 27, 2018
Updated on April 27, 2018
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
When it comes to looking for a card that you are going to use to begin establishing your credit profile, there are a few important factors you should know about. The amount of love you have for a store is not the only factor that comes into play when selecting a card that is right for you. One thing you want to ensure is that the card you are applying for is reporting your credit activity to the major credit bureaus. The BJs credit card is issued by Comenity Capital Bank, so this card is reporting payment history to the bureaus. Another thing you want to ensure is that the card you are applying for is not going to be a card that will cause you to collect an unpayable balance, this would reflect negatively on your credit profile. If I were you, I would consider choosing a general rewards credit card for limited credit and only spend what you can afford to pay off each month.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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You will earn cash back by making purchases at select merchants. These merchants can be found in the Venmo Card section of Venmo app. Earned cash back will be applied to your Venmo account. If you are looking for cash back, we recommend you to apply for cash back credit cards.
For sure, you may choose from different cash back credit cards. You may find there offers with up to 5% cash back, no annual fee, sign-up bonuses and other perks. Pay attention to credit cards with increased cash back bonus categories. For example, if you spend a lot on gas purchases, credit cards with special cash back on gas category may be your choice.
HSBC Cash Rewards Mastercard® credit card comes with the following cash back rewards: 3% introductory cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases. Get 1.5 cash rewards on every $1 you spend on all new, net purchases after the intro period. If you want to earn more, you may consider other cash back credit cards.

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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.