BJ’s Perks Elite Mastercard Review
BJ’s Perks Elite Mastercard Review

BJ’s credit card Perks Elite Mastercard is a private label credit card offered by Comenity Bank in partnership with BJ’s Wholesale Club. The card offers a 5% bonus on most purchases from BJ and 10 cents per gallon at BJ gas stations.

BJ’s credit card Wholesale Club is a membership-only warehouse club, similar to Costco or Sam’s Club, operating primarily on the East Coast of the United States.

In addition to earnings from BJ’s purchases, the card offers 2% cash back on dining out and non-BJ’s gas stations. Rewards are earned in the form of certificates that can be redeemed for merchandise at BJ’s Wholesale Club or at

It’s important to note that while this card has no annual fee, all rewards require enrollment in the BJ Perks Rewards program, which has an annual fee of $110.

At first glance

  • 5% cash back on most BJ purchases
  • 10 cents off a gallon at BJ’s Gas
  • 2% cash back on dining out
  • 2% cash back at non-BJ gas stations
  • 1% cash back on all other purchases
  • No annual fee
  • Rewards program requires $110/year BJ Perks Rewards membership.

BJ’s credit car

Perks Elite Mastercard Rewards

Earn rewards

The main benefit of the BJ’s credit card Perks Elite Mastercard is that they get 5% back on most purchases at BJ’s Wholesale Clubs. The card requires Perks Rewards membership, costs $110 per year, and offers a 2% cash back bonus on BJ purchases without a credit card.

In addition to earnings at BJ’s, the card earns 2% cash back on restaurant and gas station purchases, and 1% cash back on all other purchases.


Redeem rewards

Rewards will be issued in $10 increments after you accumulate more than $10 in rewards. Rewards are available for purchases in BJ stores, through the BJ mobile app or on, including BJ’s membership fee.

In addition to using rewards purchased from BJ, Rewards Program members can contact BJ’s Member Care Line to request a review of their outstanding rewards.

Awards expire six months from the date of issue.

Terms and conditions allow cardholders to earn and redeem rewards when their membership expires and is not renewed, but purchases made at BJ’s without membership will incur a 20% surcharge on the total purchase price. If BJ’s membership is terminated, the award will be forfeited.

Reward Potential

Using data from various government agencies, consultants have estimated how much households making up 70 percent of income spend in different categories each year. 70% of working families earn $100,172 a year and can pay $26,410 by credit card. These numbers are used to estimate the potential returns of the card.


One of the largest spending categories for most households is groceries, with the average household spending $5,687 on groceries in a year, which equates to a $284.35 reward when spending at BJ’s.

Storage clubs often have the cheapest gas, so it might make sense to head to the club to refuel. Our example household buys $2,687 per year in gasoline, or 1,075 gallons at $2.50 per gallon. Assuming you buy all your gas from BJ to get a 10 cents per gallon gas rebate, the annual gas rebate could be worth $107.50

The card also offers 2% cash back on meals. With meals costing $4,406 per year, you earn $88.12 in this category.

Finally, on all other purchases that can reasonably be charged to your credit card, you’ll get $136.30 in cash back per year, giving you a total annual return of $508.77 plus a $107.50 gas rebate.

If you spend more at Warehouse Clubs than the average household, the above points may not represent your actual earning potential. If you shop frequently at Warehouse Clubs or want to make a bulk purchase, such as larger equipment, computers or furniture, your rewards may be much higher with BJ’s Perks Elite Mastercard.

More card benefits

BJ’s Elite Perks Mastercard does not offer benefits beyond the standard Mastercard benefits included with each Mastercard credit card.

  • ZERO LIABILITY PROTECTION: As a Mastercard cardholder, you are not responsible if someone uses your card to make unauthorized purchases. ‎
  • Mastercard Global Services: Get emergency help virtually anywhere, in any language.
  • Mastercard ID Theft Protection: Offers credit monitoring, suspicious activity alerts, and ID theft solution services.

Beautifully printed

Interest expense

  • Regular APR: 15.24% – 25.24% variable
  • Purchase introductory APR: Not applicable
  • Introduction to Balance Transfers APR: N/A


  • Annual fee: $0
  • Balance transfer fee: $10 or 5% of each transfer amount, whichever is greater
  • Cash Advances: $10 or 5% of each cash advance amount, whichever is greater
  • Outsourcing transaction fee: 3% per dollar transaction.

How the cards are stacked

My BJ’s Perks® Mastercard®* with Chase Freedom Flex℠

Several credit cards offer good income in the rotating category, which often includes warehouse clubs. One of the best is the Chase Freedom Flex Card. In 2021, the January-March Warehouse Club has been included in the Chase Freedom Flex 5% bonus category.

In addition to the 5% rebate in rotating categories upon sign-up, up to a cap of $1,500 per quarter, Freedom Flex offers restaurants, takeaways and pharmacies a 3% cash rebate, exceeding the 2% rebate for restaurants on BJ’s Perks Elite Mastercard. The card earns 1% on all other eligible purchases. Finally, the card offers a host of perks, including trip cancellation and interruption insurance, extended warranty protection, and mobile phone protection when you pay your bills with the card.

My BJ’s Perks® Mastercard®* and Citi® Double Cash Cards

If you value simplicity, it’s hard to ignore Citi Double Cash. Citi Double Cash Get 2% cash back on all purchases – 1% on purchases and another 1% on cash out. If you consider that as a Perks Rewards member, even without the Elite Privilege – Mastercard, you can get 2% back on purchases at BJ, which is more than the average purchase of BJ’s Perks Elite Mastercard, which matches dining out and Almost matching the income of BJ’s Wholesale Club.

My BJ’s Perks® Mastercard®* and Citi’s Costco Anywhere Visa® Card*

One way to see if BJ’s Perks Elite Mastercard is competitive in its category is to compare it to its direct competitors. Costco, the national warehouse club chain, has partnered with Citibank to offer the Costco Anywhere Visa Card.

The Costco Anywhere Visa Card offers 4% cash back on eligible gas, the first $7,000 per year, 1% thereafter, 3% cash back on dining and eligible travel purchases, and 2% cash back on all other Costco and purchases , and 1% cash back on all other purchases. In addition to the cash back benefits, the Costco Anywhere Visa Card includes up to 120 days of damage and theft protection on credit card purchases and extended warranty benefits.

While Costco’s 2% cash back doesn’t sound impressive compared to the headline figure of 5% on BJ’s Perks Elite Mastercard, be aware that the cash back you get with your Costco Anywhere Visa card is what you earn from In addition to the cashback earned on earnings. Costco member. Those with a Costco Executive Membership can earn an additional 2% rebate on eligible Costco purchases, up to $1,000 per year through this membership.

Yes, you’ll be forgoing the 10 cents per gallon gas rebate and some cash-back income at BJ’s Wholesale Club, but the 2% net return on all items can quickly offset a slightly lower income in one consumer area.

Is this card right for you?

If you’re a big spender at BJ’s Wholesale Clubs and can maximize your 5% cash back on in-store purchases, this card might make sense for you. However, other than big purchases at BJ, it’s hard to see any appreciable value in this card, especially considering the hefty $110 per year price for BJ’s Perks Rewards membership.

If you’re a BJ shopper with moderate spending in stores, consider purchasing a $55/year Inner Circle membership and a card like Citi Double Cash or Chase Freedom Flex to use when you shop at Warehouse Club.

After all, if you’re not a member of BJ’s Wholesale Clubs, there’s no reason to consider this card. Check out our list of the best shopping credit cards to find the right one for you.

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