BJ's Wholesale Club is an excellent option if you're looking for a great deal on bulk items. And if you're a BJ's member, you can get even more savings by using a BJ's credit card. Here's everything you need to know about BJ's credit cards.
BJ's Club offers two different credit cards: the BJ's Perks Elite Mastercard and the BJ's Perks Plus Mastercard. Both cards provide significant savings on BJ's purchases, but there are a few key differences between the two.
Let's dig into every question about BJ's perks MasterCard.
The BJ's Perks Elite Mastercard has no annual fee and a few extra perks, like 5% back on BJ's purchases and 2% on BJ's travel purchases. Likewise, the BJ's Perks Plus Mastercard has no annual fee and offers 3% back on BJ's purchases and 1% on BJ's travel purchases.
Both cards offer an extra 10¢ off a gallon of gas every time you fill up.
This past year BJ's members have complained about the services of Comenity Bank. So starting in 2023, BJ's will be partnered with Capital One Bank.
Here is the update for the new BJ's credit card this change will take place early in 2023, from an employee at BJ's told us you will get 15 cents a gallon on gas, and rewards will not expire anymore, also 1.5% rebate on everything outside of BJS instead of the 1 and 2 percent's of items.
There is no set credit score requirement for BJ's credit cards, but BJ's notes that applicants with a “good” credit score (generally defined as a score of 670 or higher) are more likely to be approved.
The BJ's Club Mastercard has no annual fee. However, there is a 3% foreign transaction fee for purchases made outside the United States.
The question everyone always asks first. Is it worth it?
The BJ's credit card can be a great way to save money on BJ's purchases. If you frequently shop at BJ's and pay your balance in full each month, you can benefit from the card's rewards program and avoid paying interest.
However, if you carry a balance or don't shop at BJ's often, you may want to consider a different credit card.
You can use the online calculator BJ's offers to see if the savings would add up for your situation.
BJ's credit card offers several great benefits from two options.
BJ’s Perks Plus ® Members earn 3% cash back on most in-Club and BJs.com purchases and get 15¢ off per gallon at BJ’s Gas ® every day. Cardholders also earn 2% cash back on dining out and gas purchases outside BJ’s and 1.5% cash back everywhere else Mastercard is accepted. In addition, there is no limit on earnings with this credit card.
BJ’s Perks Elite ® Members earn 5% cash back on most in-Club and BJs.com purchases and get 10¢ off per gallon at BJ’s Gas every day. Cardholders also earn 2% cash back on dining out and gas purchases outside BJ’s and 1% cash back everywhere else Mastercard is accepted. In addition, there is no limit on earnings with this credit card.
All applicants are subject to credit approval.
The BJ's Perks Plus and the BJ's Perks Elite Mastercard offer 10¢ off per gallon, plus you can stack that with the Fuel Saver program. The fuel saver program greatly benefits BJ's Members because you can quickly get $1 off a gallon of gas during each shopping trip.
You can use your credit card anywhere Mastercard is accepted. However, remember that the cashback amounts are much lower when you are not using them at BJ's Wholesale club. Costco only accepts Visa credit cards, they do accept any debt card though. will In addition, you won't be charged an annual fee for either card on top of your regular BJ's Membership.
However, if you want to switch from the BJ's Perks Plus Mastercard to the BJ's Perks Elite Mastercard, you will need to pay a small upgrade fee. You'll receive the new card in just a few days through the mail, and once it arrives, your old card will automatically be deactivated.
The BJ's Perks Rewards credit cards have no fee.
Yes, BJ's accepts MasterCard. Here, you can read more about what types of credit cards BJ's Wholesale clubs accept.
The interest rate currently in 2022 is 17.24% or 27.24%.
BJ's Wholesale has a 100% satisfaction guarantee on all its products. In addition, BJ's members can return any item, for any reason, within ONE year of purchase. See the complete return policy guide here.
You can use your BJ's Credit Card anywhere. It's a Mastercard and is accepted everywhere they take plastic.
Remember that the cashback amounts are much lower when you are not using them at BJ's Wholesale club. In addition, you won't be charged an annual fee for either card on top of your regular BJ's Membership.
However, if you want to switch from the BJ's Perks Plus Mastercard to the BJ's Perks Elite Mastercard, you will need to pay a small upgrade fee. You'll receive the new card in just a few days through the mail, and once it arrives, your old card will automatically be deactivated.
The BJ's Wholesale customer service number is 1- 800-BJS-CLUB (257-2582). BJ's members can also contact customer service by logging in to their BJ's account and clicking on the “Contact Us” link.
To cancel your BJ's Membership, you will need to contact BJ's customer service at 1- 800-BJS-CLUB (257-2582). BJ's members can also contact customer service by logging in to their BJ's account and clicking on the “Contact Us” link.
A BJ's Membership is $55 per year for the inner circle basic membership. The Rewards membership that isn't a credit card option earns you 2% back on purchases and costs $110 a year.
Through our referral link here, you can score a basic inner circle membership to BJ's for only $25.
To pay off your BJ's credit card, you must log in to your BJ's account and make a payment. BJ's members can also contact customer service at 1- 800-BJS-CLUB (257-2582) to make a payment. Unfortunately, you cannot pay your BJ's Credit Card store.
Most BJ's Clubs locations are open from 9 am to 9 pm Monday through Saturday and from 10 am to 7 pm on Sundays. However, hours may vary by location, so it's always best to check with your local BJs before you go.
You can find your local BJ's store hours here.
The Buy Now, Pay Later program from Citizens Bank is a flexible financing option that allows BJ's club members to pay for individual items or shopping carts totaling $99 or more in monthly installments.
When shopping online, you will see a monthly payment option if you choose the buy now pay later. It looks like this.
Yes! You earn BJ's Perks Rewards Points with every purchase you make with your BJ's Mastercard at BJ's locations.
You can use Awards at BJs clubhouses and BJs.com in $10* increments. However, you cannot currently use them at BJ's gas stations. If you want cash back for your awards before expiration, contact Member Care at 800-BJs-CLUB and request a check.
There are four ways to find your current Awards balance:
NOTE: For BJ's Perks Rewards Members, there is always a one-day delay for your Awards to be updated; therefore, the balance printed on the receipt will not reflect the Awards accrued on that day's purchase.
NOTE: For My BJ's Perks Mastercard Members, there is always a 48-hour delay for your Awards to be updated; therefore, the balance printed on the receipt will not reflect the Awards accrued on that day's purchase.
The secondary person on the Membership would need to be the primary and apply for their perks credit card.
You can only downgrade when your current Membership is up for renewal. So you will need to wait for your Membership to expire, and then you can sign up for a different BJs' Membership.
BJ's Perks Rewards® Members can earn up to $500 in Awards per Membership period. In addition, BJ's Perks Plus® and BJ's Perks Elite® Members have no limit on the amount of Awards they can earn.
BJ's Perks Awards can be used as payment for BJ's Club merchandise (within the legal limits) bought at in-person registers or online through BJs.com.
BJ's Perks Awards cannot be used to purchase BJ's gas, gift cards, or services like BJ's Optical, BJ's Tire Center, BJ's Auto Buying Program, etc.
Awards will expire six months from the date they're earned. You can view when your next Award expires by visiting BJs.com and viewing the Rewards page in the Account Information section. Everything you need to know about BJ's perks MasterCard.
If you frequently shop at BJ's Wholesale Club, signing up for a Perks Mastercard rewards membership is a no-brainer. The card pays for itself with gas discounts, cash back on all in-store and online purchases, and no annual fee. Plus BJ's offers curbside pickup for free!
Be sure to take advantage of all the benefits of owning a Perks Mastercard by using it every time you shop at BJ's. Will you be signing up for a perks rewards card?
Welcome! I have been deal hunting for years. I’m passionate about helping others save money and live debt free. I love shopping Costco too! I’m a huge animal lover, and a little obsessed with mini pigs. Wholesale shopping is my favorite.
