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BJ’s Perks Plus Credit Card Review

BJ’s Perks Plus Credit Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Apr 28, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If BJ’s Wholesale Club is your one-stop shop for groceries, gas and more, you might be thinking about getting a BJ’s credit card. There are two — the BJ’s Perks Plus® Mastercard® Credit Card and the BJ’s Perks Elite® Mastercard® Credit Card , both issued by Comenity. This review will examine the BJ’s Perks Plus® Mastercard® Credit Card ’s pros and cons, and look at alternative cards for fuel and grocery purchases.

Read our review of the BJ’s Perks Elite® Mastercard® Credit Card

BJ’s Perks Plus® Mastercard® Credit Card pros

Rewards. Earn 3% 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 on gas purchases outside of BJ’s and 1% cash back everywhere else Mastercard is accepted.

When you accumulate $20 cash back, your earnings are converted to “awards.” Awards can be used at the checkout at BJ’s or requested as a check by calling 800-BJs-CLUB (800-257-2582).

No annual fee. You don’t have to pay just for having this card, since the annual fee is $0 .

Read: Best credit cards with no annual fee

BJ’s Perks Plus® Mastercard® Credit Card cons

Redemption options are limited. Cash back can’t be redeemed at BJ’s gas stations. And though it can be redeemed at the checkout at BJ’s clubs, it must be for purchases over $20.

Rewards expire. Your cash back is converted to “awards” when you reach $20 worth. Those awards expire six months from the date you earned them.

Membership required. You must be the primary member on a BJ’s Inner Circle membership, which costs $50 a year, to be eligible to apply for the BJ’s Perks Plus® Mastercard® Credit Card .

No sign-up bonus. While many credit cards offer bonus cash back or miles for spending a certain amount on a new card within a specified time period, or a discount off the first purchase with the card, the BJ’s Perks Plus® Mastercard® Credit Card does not.

Foreign transaction fee. If you travel outside the United States, you’re better off taking a card with no foreign transaction fee and leaving this one at home. The BJ’s Perks Plus® Mastercard® Credit Card charges 3% of each transaction in U.S. dollars.

Alternative cashback card for fuel and groceries

For those who are dedicated BJ’s shoppers, the BJ’s Perks Plus® Mastercard® Credit Card offers substantial savings at BJ’s gas locations and a solid cashback rate on most BJ’s purchases. But if you aren’t devoted to the BJ’s brand, a card such as the Blue Cash Preferred® Card from American Express might provide more flexibility.

  BJ’s Perks Plus® Mastercard® Credit Card Blue Cash Preferred® Card from American Express
RewardsEarn 3% 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 on gas purchases outside of BJ’s and 1% cash back everywhere else Mastercard is accepted. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back can be redeemed as a statement credit.
Welcome offerNone$150 back after you spend $3,000 in purchases on the card within the first 6 months of card membership.
Annual fee$0 $0 introductory annual fee for the first year, then $95
Regular purchase APR16.49%- 26.49% variable13.99%-23.99% variable

To see rates & fees for Blue Cash Preferred® Card from American Express please click here.

The 10-cent-per-gallon discount at BJ’s gas stations offered by the BJ’s Perks Plus® Mastercard® Credit Card comes out to a valuable savings. For example, if gas costs $2 a gallon, 10 cents off per gallon is a 5% discount. And if gas is $1.65 a gallon, 10 cents off per gallon is roughly a 6% discount.

For drivers who get most of their gas at BJ’s, this savings is a definite plus in favor of carrying the BJ’s Perks Plus® Mastercard® Credit Card . However, the Blue Cash Preferred® Card from American Express outearns the BJ’s Perks Plus® Mastercard® Credit Card when it comes to non-BJ’s gas stations. On top of that, it offers the highest cashback rate on U.S. supermarket purchases that we’ve found with any credit card. While it charges a $0 introductory annual fee for the first year, then $95 annual fee, if you spend $1,584 a year on purchases eligible for highest cash back rate, you can recoup that amount. And you won’t have to pay for a membership like you do with the BJ’s card.

  • Earn up to $350 in statement credits. Terms Apply.

  • Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.

  • 0% on purchases for 12 months from the date of account opening, then 13.99%-23.99% Variable

Highlights
  • Earn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back.
  • Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
  • $0 intro annual fee for the first year, then $95.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

More Info

Is the BJ’s Perks Plus® Mastercard® Credit Card right for you?

Whether or not the BJ’s Perks Plus® Mastercard® Credit Card is a good fit for your wallet depends entirely on how much you shop at BJ’s Warehouse Club and fill your gas tank up at BJ’s gas stations. If those purchases make up a sizable portion of your budget, the BJ’s Perks Plus® Mastercard® Credit Card can help you save money with a competitive cashback rate and a generous gas discount.

However, for those whose routines include shopping at other grocery stores and fueling up at other gas stations, a card such as the Blue Cash Preferred® Card from American Express will likely offer better rewards for more of your spending.

Read: Best Gas Rewards Cards

If you decide to go with the BJ’s Perks Plus® Mastercard® Credit Card , know that it’s possible to upgrade to the BJ’s Perks Elite® Mastercard® Credit Card , which earns a higher cashback rate on BJ’s purchases. 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 on gas purchases outside of BJ’s and 1% cash back everywhere else Mastercard is accepted.

In order to upgrade your BJ’s credit card, you’ll need to go from the Inner Circle membership level to the Perks Rewards membership level (which costs $110 a year) for a $55 upgrade fee. You should get a BJ’s Perks Elite® Mastercard® Credit Card in the mail after upgrading your membership — and upon activating the new card, your BJ’s Perks Plus® Mastercard® Credit Card will be deactivated.


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