5 Things to Know About the BJ’s Credit Card

BJ's Wholesale Club offers two cards that earn rewards you can cash in at checkout to save on buying in bulk.

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» Update

Beginning in early 2023, the BJ's Wholesale Club credit cards will be issued by Capital One, instead of Comenity Bank. Current cardholders will receive details about the transition in the coming months, according to the issuer. See NerdWallet's list of the best store credit cards for more updated information.

You turn to BJ's Wholesale Club for everything you need in your home: pantry staples, furniture, electronics — not to mention bags of dog food that outweigh your dog.

If you're looking for more ways to save, BJ's offers two cash-back credit cards: the BJ's Perks Elite Mastercard and the BJ's Perks Plus Mastercard, both issued by Comenity Bank. They earn rewards not only when you shop at BJ's but in several other spending categories as well, and for no annual fee.

However, you have to be a BJ's member to get either card, which will come with a yearly membership fee. Plus, there are exceptions to the cards' rewards rates, and the cash back you accumulate isn't as flexible as it is with similar wholesale club credit cards, like the Costco Anywhere Visa® Card by Citi or the Sam's Club® Mastercard®.

Here are five things to know about the BJ's credit cards.

1. The card you get depends on your membership tier

You'd be eligible for the BJ's Perks Elite Mastercard with a BJ's Perks Rewards® Membership, which costs $110 annually. This is the more expensive membership option, and the card is slightly more rewarding. You'll earn 5% cash back on eligible BJ's purchases, in-store and online.

If you opt for a BJ's Inner Circle® Membership at $55 per year, you'd be eligible for the BJ's Perks Plus® Mastercard® instead. This card earns 3% cash back on eligible in-store and online BJ's purchases.

Both cards also earn:

  • 10 cents off per gallon at BJ's gas stations.

  • 2% cash back at other gas stations and on dining.

  • 1% cash back on everything else.

Neither card charges an annual fee on top of what you'd pay for a BJ's membership. If you want to switch from the BJ's Perks Plus Mastercard to the BJ's Perks Elite Mastercard, you'll need to pay an upgrade fee. You'll receive the new card in the mail, and your old card will be deactivated.

2. Not all BJ's purchases earn rewards

Depending on your card, many items you buy at BJ's will earn 3% or 5% cash back. But there are exceptions, including:

  • Alcoholic beverages.

  • Cigarettes.

  • Lottery tickets.

  • Gift cards.

  • Propane and gasoline.

Purchases through BJ's Member Services — including BJ's Travel, BJ's Optical and more — also will not qualify for those higher rates.

3. Rewards aren't totally flexible, and they expire

The BJ's Perks Elite Mastercard and the BJ's Perks Plus Mastercard earn rewards in the form of cash back, but it's not as straightforward as with other cash-back credit cards.

The primary way to cash in rewards is to use them at checkout at BJ's, which you can do in $10 increments. Rewards can't be used at BJ's gas stations. You have six months from the earning date to redeem rewards before they expire.

If plain old cash back is what you're after, you must call BJ's Member Care to request they mail you a check. How retro!

4. Authorized users can use rewards

Any authorized users on your card account can redeem rewards for in-store or online BJ's purchases since household members share a BJ's member number with the primary card holder.

This is unlike many other rewards cards, where authorized users either can't redeem rewards or can only do so with the permission of the primary card holder.

5. There are consequences if you don't renew your membership

You can still earn rewards with both BJ's credit cards if your membership has lapsed — but all in-store purchases will incur a non-member surcharge of 20% of your total purchase, while online purchases will incur a $5 surcharge.

If you want to renew, you can apply any surcharges you paid within the last seven days toward your membership fee. But if you cancel your membership outright, you'll forfeit any rewards you've earned.

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