BJ’s Credit Card

BJ’s credit card is designed for frequent users of BJ’s. BJ's Wholesale Club Holdings, commonly referred to simply as BJ's, is an American membership-only warehouse club chain operating on the East Coast of the United States, as well as in the state of Ohio. As for the specific situation of the store card, we will elaborate on it in the following text.

BJ’s Credit Card List

Bjs Credit Card

5% Cash Back on Most BJ’s Purchases. 3% Cash Back on Most BJ’s Purchases. 10¢ Off/Gal. at BJ’s Gas® Every Day. 2% Cash Back Dining Out. 2% Cash Back at Non-BJ’s Gas Stations.1% Cash Back Shopping Everywhere Else Mastercard is Accepted.

MasterCard Credit Cards

First Progress Platinum Elite MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option

Citi® Secured Mastercard®

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)

First Progress Platinum Select MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option

AAdvantage® AviatorTM Red World Elite MasterCard®

  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines
  • Earn 2X miles for every one dollar you spend on eligible American Airlines purchases
  • Group 1 boarding for the primary cardmember on domestic itineraries operated by American Airlines
  • Earn 1X miles on all other purchases
  • 10% of your redeemed miles back (10,000 maximum per calendar year)
  • No foreign transaction fees
  • 25% inflight savings on food, beverages, and headsets on American Airlines-operated flights
  • $95 annual fee

Indigo® Unsecured Mastercard®

Pre-qualify today without an impact on your credit score. Helping consumers with limited or damaged credit make a fresh start for over 12 years. Access your account online or from your mobile device 24/7. Protection from fraud if your card is stolen. Account history is reported to the three major credit bureaus in the U.S.

BJ’s Credit Card Basics

The BJ’s credit card may not be as good as other cash back credit cards, but it’s still worth considering. Depending on which card you get, you can get between 3% and 5% back on BJ’s purchases, and 2% back on gas and restaurant spending. The BJ's credit cards are a great deal as long as you don't mind getting in-store vouchers as rewards.

Advantage of BJ’s Credit Card

The BJ’s credit card's primary function is earning cash back rewards. Depending on which of the two options you go with – Plus or Elite – you will earn either 3% or 5% back on most in-Club and purchases. You also get $0.10 off every gallon of gas you buy at the wholesale club. Given the current price of gas, that comes out to a rewards rate of 4.2%. Gas purchases outside of BJ's and restaurant spending net cardholders 2%. All other non-gas purchases provide a return of 1%. All the rewards you earn accumulate into your account. You can withdraw them in $20 increments, to be used for merchandise at the store. As we mentioned above, you cannot redeem the rewards for actual cash back. Once you receive your reward voucher, it will expire within six months. It’s a good idea to only take them out once you have a clear use in mind. Don't hold on to your points for long. They will expire if not used for 36 months.

The cards themselves have no annual fee. However, you must be a BJ's member to apply. The Perks Plus credit card is available with the $50 membership, while the Perks Elite requires $100.

BJ’s Easy Renewal Discounts

Once you apply for any of the BJ’s credit cards, you will be auto-enrolled in the ‘Easy Renewal’ program. Your store membership fee will automatically be billed to your credit card when it’s due. With the Perks Plus card, you receive a $10 discount, while the Perks Elite card gives $25. That reduces your BJ's Membership Costs to $40 and $75 respectively.

Should You Get BJ’s Credit Card?

Those who frequently shop at BJ's can find decent savings with their store credit card. With the exception of the Chase Freedom®, we’re hard-pressed to think of many cards that can give better savings for BJ's shoppers. The credit card also features a decent 2% savings on gas and restaurant purchases – you also receive $0.10 off each gallon of gas purchased at BJ’s. The card’s restrictive redemptions are its main shortcoming. All the cash back you earn is posted to your account to be withdrawn as vouchers in $20 increments. In turn, these can be used to pay for merchandise at BJ’s stores. Your rewards can expire if not used, which we explain in greater detail below. Also, there is no way to turn your rewards into actual cash. Other warehouse credit cards, such as the Costco Anywhere Visa® Card by Citi, allow you to receive a cash reward certificate. This extra freedom gives those card a lot more flexibility and value.

The welcome bonuses on the BJ’s credit cards also leave a lot to be desired. With the Perks Plus card, you get $25 earnings after the first non-BJ’s purchase. With the Perks Elite, that bonus goes up to $50. The highest-ranking cash back credit cards give welcome offers of $100 and more. The BJ's credit cards are outmatched on that front but compensate slightly by providing discounts on BJ’s membership fees.

So, do you need to process the BJ’s credit card? It depends on the direction of your consumption. If BJ’s credit card will not be your most suitable choice, you can take a look at the Alternative list on the Cards-Expert Website.

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BJ’s Credit Card Tips

  1. If you want to know your BJ’s Credit Card payment details, like your credit card balance. Please contact the BJ’s Credit Card customer service or get a BJ’s Credit Card application.
  2. In order to manage your BJ’s Credit Card payment online, you need to log in to the BJ’s Credit Card official website.
  3. About BJ’s Credit Card login and how to apply for a BJ’s Credit Card, you need to go to the official website.
  4. Getting a BJ’s Credit Card application will be a lot of convenience, contact the BJ’s Credit Card customer service or go to the BJ’s Credit Card official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your BJ’s Credit Card phone numbers is correct, there will be text alerts.

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