The worst credit card I have ever have, they have no consideration with their customer that are having a bad time due this covid-19 pandemic, they keep charging high interest and fees without having compassion. I don't recommends this card or shopping at any of the BJ's stores, from my side they will not get a penny if you wanna get rip-off and don't give a $#*! about your money get this credit card and shop at BJs