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BJS Credit Card Review

Written by Mike Pearson
Updated June 11, 2023

The BJ’s credit card offers an opportunity for loyal customers to get rewarded for their purchases. This card, available to BJ’s members, has membership tiers that determine card eligibility. With a focus on providing valuable rewards and discounts, the BJ’s credit card has quickly gained popularity among its user base.

The card boasts various benefits, such as cashback rewards and gas discounts. Cardholders can earn up to 5% back in rewards on most BJ’s purchases and 2% back in rewards elsewhere. In addition, there is a $0.15 per gallon discount on gas purchases. With no cap on reward earnings and a zero annual fee, the BJ’s credit card proves to be an appealing option for those who frequently shop at the wholesale club.

Navigating the benefits and features of the BJ’s credit card can be overwhelming, but a comprehensive review can help clarify essential details. This article will explore the aspects of this card, discussing its pros and cons, credit score requirements, and user experiences, making the decision an informed one.

BJ’s Credit Card Overview

BJ’s Membership Tiers

BJ’s Wholesale Club offers two main membership tiers: Inner Circle and Perks Rewards. The membership tier you choose will determine which credit card you’re eligible for. Mainly, they offer two credit cards: the BJ’s One+™ Mastercard® and the Perks Elite or Perks Plus Mastercard.

Membership Fees

  • Inner Circle Membership: This basic membership costs $55 per year.
  • Perks Rewards Membership: This premium membership includes the Perks Elite and Perks Plus tiers and costs $110 per year.

Card Details

  • BJ’s One+™ Mastercard®:
    • Credit Score: Good/Excellent
    • Annual Fee: $0
    • Rewards: 5% back in rewards on most purchases at BJ’s and 2% back in rewards everywhere else
    • Gas Savings: $0.15/gallon discount at participating BJ’s gas stations
    • No cap on reward earnings
  • Perks Elite and Perks Plus Mastercard:
    • Credit Score: Good/Excellent
    • Annual Fee: Included in the Perks Rewards Membership fee of $110 per year
    • Rewards: 5% back in rewards on most purchases at BJ’s and 2% back in rewards everywhere else
    • Gas Savings: $0.15/gallon discount at participating BJ’s gas stations
    • No cap on reward earnings

Rewards and Benefits

Earning Rewards

The BJ’s credit card offers attractive rewards rates for its cardholders. You can earn 5% back in rewards on most purchases at BJ’s, making it an excellent card for frequent BJ’s shoppers. Additionally, the card provides 2% back in rewards on purchases made everywhere else where Mastercard is accepted. These rewards rates are quite competitive compared to other rewards credit cards.

Redeeming Rewards

Redeeming rewards with the BJ’s credit card is quite straightforward. You can use your accumulated rewards for various options, such as:

  • Applying the rewards as a statement credit
  • Redeeming for gift cards from various retailers
  • Using the rewards for travel expenses, including flights, hotels, and car rentals

This flexibility allows you to maximize your earnings and makes it convenient for you to use your rewards in a way that best suits your needs.

Bonus Offers

In addition to the standard rewards rates, the BJ’s credit card also comes with several bonus offers to enhance your savings even further. These may include:

  • Special savings on dining and restaurants
  • Exclusive promotions at participating merchants
  • Additional cash back offers during specific promotional periods

With these bonus offers, the BJ’s credit card can help you save more on your everyday purchases while still providing valuable rewards for your favorite shopping, dining, and travel experiences.

Fees and Rates

Annual Fees and Membership Fees

The BJ’s One+ Mastercard itself does not have an annual fee. However, you are required to have a BJ’s membership, which costs $55 a year.

Interest Rates

The interest rates on the BJ’s One+ Mastercard are 19.74% – 29.74% (V), depending on your creditworthiness. It is essential to note that there is no intro APR for purchases or balance transfers with this card.

Transaction Fees

  • Balance Transfer Fee: $0
  • Foreign Transaction Fee: No foreign transaction fee


  • Penalty APR: Variable, please refer to the card terms and conditions
  • Cash Advance APR: Variable, please refer to the card terms and conditions

When considering the BJ’s One+ Mastercard, it is essential to weigh the fees and rates against the rewards and benefits of the card. While there is no annual fee for the card itself, the cost of a BJ’s membership should be factored into your decision. Additionally, be mindful of the variable interest rates and any potential penalties for late or missed payments.

Using the BJ’s Credit Card

Gas and Shopping Discounts

When you use the BJ’s One™ Mastercard® at BJ’s gas stations, you will receive a discount of $0.15 per gallon. This card also allows cardholders to enjoy a 5% cashback in rewards on most purchases made at BJ’s stores, providing a significant benefit for those who shop there frequently. The card is issued in partnership with Capital One and Mastercard®, ensuring worldwide acceptance at numerous locations.

  • $0.15/gallon discount at BJ’s Gas
  • 5% back in rewards on most BJ’s purchases

Dining Out and Grocery Rewards

The BJ’s credit card also offers useful rewards for dining out at restaurants. Cardholders will receive 2% back in rewards for every dollar spent at restaurants. Additionally, the same percentage applies to purchases made at grocery stores. This flexibility in rewards benefits those who often dine out or need to stock up on groceries.

  • 2% back in rewards at restaurants
  • 2% back in rewards at grocery stores

Purchasing Electronics and Furniture

With the BJ’s credit card, there’s no cap on reward earnings, making it an excellent option for purchasing big-ticket items such as electronics and furniture. If you buy such items at BJ’s stores, you’ll receive the 5% cashback in rewards. Keep in mind that there will be exclusions for certain items, such as alcoholic beverages, tobacco products, and lottery tickets. Since this card does not have an annual fee, you can take advantage of these rewards without worrying about maintaining your balance or needing to pay extra for balance transfers.

  • No cap on reward earnings
  • Ideal for buying electronics and furniture at BJ’s
  • Exclusions: alcoholic beverages, tobacco products, lottery tickets
  • No annual fee, beneficial for balance transfers

Credit Requirements and Application Process

Recommended Credit Scores

The minimum recommended credit score for a BJ’s credit card is 660. This falls within the “fair” to “good” range of credit scores. Having excellent credit may increase your approval chances and potentially grant access to better card benefits. However, keep in mind that even if you meet or exceed the recommended credit score, approval is not guaranteed as other factors may affect your application.

Application and Approval Process

To apply for a BJ’s credit card, you must first be a BJ’s member. The card you are eligible for will depend on your membership tier. Once you’ve confirmed your membership, the application process can be done online or in-store.

During the application process, you will be required to provide personal information such as your full name, address, Social Security number, and employment or income details. Your credit score and history will be reviewed to determine your eligibility.

Upon approval, you may start earning rewards such as 5% back on BJ’s purchases and 2% cashback on other eligible purchases. For more details about the card, it is advisable to consult the issuer, Capital One, or visit BJ’s website.

Pros and Cons of the BJ’s Credit Card


  • Cashback rewards: The BJ’s credit card offers impressive cashback rewards to its users. Cardholders can earn up to 5% back in rewards on most purchases at BJ’s and 2% back in rewards everywhere else MasterCard is accepted.
  • No annual fee: There is no annual fee associated with the BJ’s credit card, making it a cost-effective option for those who regularly shop at BJ’s wholesale club.
  • No cap on rewards: There is no cap on the rewards you can earn with the BJ’s credit card, allowing users to maximize their cashback potential.
  • Rewards do not expire: The rewards earned with BJ’s credit card do not expire, giving you the flexibility to use them whenever you want.
  • Mastercard Global Service: As a Mastercard holder, BJ’s credit card users can have access to Mastercard Global Service, providing worldwide, 24-hour assistance in case of a lost or stolen card, emergency card replacement, and cash advance.


  • No introductory 0% APR offer: Unlike some other credit cards on the market, the BJ’s credit card does not offer an introductory 0% APR promotion for new cardholders.
  • Limited to BJ’s members: You have to be a BJ’s member in order to apply for the credit card, which may limit its appeal for those who are not interested in a BJ’s membership.
  • Variable rewards depending on membership tier: The rewards structure is dependent on your membership tier, meaning higher-tier members will be eligible for better rewards, while lower-tier members may not receive the same level of benefits.
  • High APR: The BJ’s credit card has a relatively high APR range of 19.74% – 29.74%, which may not be ideal for individuals who carry a balance on their credit card.
  • Less competitive outside BJ’s: While the rewards are quite attractive within BJ’s, the card’s rewards and perks when used outside of BJ’s may not be as competitive when compared to other cashback or rewards credit cards in the market.

Additional Information and Support

Customer Service

The BJ’s One+™ Mastercard® is issued by Comenity Bank and has a dedicated customer service team to help cardholders with any queries or issues. They can be reached via phone or online assistance. As a Mastercard, it’s also accepted at millions of locations worldwide, providing accessibility and convenience to cardholders.

Mobile App

With the BJ’s mobile app, cardholders can manage their accounts on the go. The app allows users to track rewards redemptions, monitor spending, and make payments. In addition, the app provides easy access to BJ’s membership fees and discounts, further enhancing the overall experience.

Account Management

The BJ’s One+™ Mastercard® offers online and mobile account management tools that enable cardholders to conveniently access their account information. Some key features include:

  • In-store and online purchases: Cardholders can use their BJ’s Mastercard for everyday purchases, both in-store and online, earning rewards on eligible transactions.
  • No foreign transaction fees: The card has no foreign transaction fees, making it a suitable choice for international travelers.
  • Rewards and discounts: Cardholders with an active BJ’s Club+ membership benefit from various rewards and discounts, such as 15¢ off/gal. at BJ’s Gas®, cashback on eligible purchases, and more.

Remember to always stay within your credit limits and pay off your balance on time to maintain good credit and prevent unwanted fees or high interest rates.

Frequently Asked Questions

Is it easy to get?

The ease of getting a BJ’s credit card depends on your credit score and financial history. It is recommended to have a good or excellent credit score to increase your chances of approval.

Which bank issues it?

The BJ’s One Mastercard and BJ’s One+ Mastercard are issued by Comenity Bank in partnership with BJ’s Wholesale Club.

Can it be used anywhere?

Yes, the BJ’s credit cards can be used almost anywhere, as they are Mastercard-branded cards. Cardholders can earn 5% back on BJ’s purchases with both cards, and the BJ’s One+ Mastercard offers 2% back on all other purchases.

Payment methods?

You can make payments on your BJ’s credit card via the online account management portal, by mail, or by calling the customer service line. Additionally, you can set up autopay using your checking account to ensure your payments are made on time.

How to check application status?

To check the status of your BJ’s credit card application, you can contact the customer service line at 1-866-267-4349. They will be able to provide the most up-to-date information on your application.

Credit limit on Perks Mastercard?

The credit limit on the BJ’s Perks Elite Mastercard will vary based on your creditworthiness and financial history. As each cardholder’s situation is different, it is best to contact the issuing bank, Comenity Bank, or check your approved credit limit once your application has been accepted.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.