BJ’s Credit Card Review, login, and Application Process

If you’re a regular shopper at BJ’s Warehouse, then you may want to consider opening a BJ’s credit card with the store.

There are two different credit cards from the warehouse club: BJ’s Perks Plus and Elite. The Perks Plus credit card has no annual fee and a $50 membership fee. The Elite credit card has no annual fee but a $100 membership fee.

Both of these cards offer rewards points that can be redeemed for cash or merchandise at any BJ’s Warehouse location nationwide, as well as gas discounts at Shell stations. You can also earn rewards points on purchases made through your membership account. The more you spend, the more points you earn—and the more money you can save!

Card advantages-

The following are some of the credit card advantages:

  • BJs gas stations offer 10 cents discount and non-BJs gas stations offer 2% cashback.
  • At any point in time, there is no annual charge for using the BJs credit cards.
  • The credit card is accepted at BJs gas and club stations.
  • The Perks Plus card has no annual fee and a membership fee of $50 per year. The Elite card has an annual fee of $100 per year, but it also offers higher rewards than the regular card (rewards are subject to change). Both cards allow you to earn 1 point for every dollar spent at BJ’s Warehouse Club locations. This rate is doubled on Black Friday and during the holiday seasons.
  • There are two different types of BJ’s credit cards: the BJ’s Perks Plus and the Elite. The perks of both cards are similar, but they differ in the amount of money they charge in membership fees. The Perks Plus has no annual fee and charges $50 for membership, while the Elite charges $100 for membership and has an annual fee of $29.99 after the first year.

All About BJ’s credit card:

For frequent shoppers of BJ’s Warehouse Club, then you might want to consider getting a credit card from them. There are two types of credit cards offered by the company. Both have no annual fee but do require membership fees to be paid each year.

The Perks Plus card requires a yearly fee of $50 while the Elite credit card requires a yearly fee of $100.

The Perks Plus card offers up to 6% cashback on every purchase made at BJ’s and other select retailers while the Elite card offers up to 12% cashback on every purchase at BJ’s and other select retailers. You can also earn 2% fuel rewards at gas stations nationwide.

To qualify for either credit card, applicants must have an excellent credit history with no previous late payments or defaults on payments owed; they must also have an open bank account in good standing for at least 12 months before applying for one of these cards.

If you have a credit card, there are a few things you should know about it.

Notable Credit Card FeaturesBJ’s Perks Plus credit cardElite credit cards
Annual Fees$0$0
Purchase APR14.99% or 24.99% per annum12.24% to 21.99%
Balance Transfer APR26.99%12.24% to 21.99%
Foreign Transaction Fee3%3%
Credit scoresMinimum 700700+

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How do you apply for a BJs credit card?

  1. To apply for a BJs credit card, go online and follow the instructions.
  1. You must complete the application form after clicking the Apply Now tab.
  1. To begin, enter your membership number, and first and last name.
  1. You’ll need to fill in a few more details after choosing the Continue tab before clicking the Submit link.
  2. Apart from your SSN and other personal information, you must include details about your income and employment.

Application requirements for BJs credit cards

The following conditions are part of the application requirements.

  • You must be a citizen of the United States.
  • Citizens must be at least 18 years old to apply for a credit card.
  • An SSN is required for applicants (social security number).

The following are some of the eligibility requirements:

  • An email address is required.
  • A valid phone number is also required of applicants.
  • You must not have a defaulter’s account.

How do I use my BJ Credit Card to log in?

The BJ Credit Card login process is simple, but you must first have a BJ Credit Card account! BJ Credit Card Login Procedure:

  1. To begin, go to, which is the official BJ Credit Card website.
  2. Just go to the official BJ Credit Card login page after that.
  3. To log in, enter your user ID or email address.
  4. Finally, enter the password you created when you created your BJ Credit Card account.

You’ve forgotten your password? Login Password Change Instructions:

A password is primarily a security code associated with our account; yet, we frequently forget our password.

If you’ve forgotten your password, follow the steps below to reset it.

  1. Just go to to reset your password.
  2. To locate your BJ Credit Card account, fill in your details such as your email, name, or username, and simply click ‘Search’.
  3. To deliver a password reset link to your email inbox, select This is me next to your account.
  4. A password reset email will be sent to the email address associated with your account.
  5. Choose Reset Password and type your new password from the email, then click Change Password.

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Reviews of BJ’s Credit Card in 2022-

With a $0 annual fee, you also get the following rewards:

  1. Whenever you open and use the card, you’ll get $40 in rewards.
  2. Most in-Club and transactions earn you 3% cashback.
  3. Dining out and other petrol expenditures earn you 2% cashback.
  4. Other non-purchased BJ’s will earn you 1% cashback wherever Mastercard is accepted.
  5. You can utilize your prizes in $10 increments in Club or on
  6. Every day, BJ’s Gas® offers a 10% discount per gallon.
  • Purchase APR ranges from 14.99 percent to 24.99 percent (V)
  • APR for balance transfers is 26.99 percent.
  • Fee for transferring funds: 5% (minimum $10).


  • There are no membership costs.
  • High rate of reward
  • Initial incentive bonus of $60
  • Three major credit bureaus get reports


  • One-time charges
  • On purchases, there is no introductory APR.
  • On balance transfers, there is no introductory APR.
  • Foreign charge

Only use this card for BJ’s transactions. The BJ’s Credit Card, also known as the My BJ’s Perks Mastercard, provides the best rewards on BJ’s purchases, with most goods returning the equivalent of 3% cashback. That doesn’t compare to the 5% cashback offered by the finest retailer-affiliated credit cards. However, it’s a lot better than the 2% back you’ll get on eating and non-petrol, BJ’s as well as the 1% back you’ll get on everything else. Consider employing the Island Approach and only using the BJ’s Mastercard for BJ’s purchases.

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Wrapping up

Both cards offer exclusive deals for BJ’s members such as early access to Black Friday deals before anyone else does, exclusive member-only discounts on certain items throughout the year (such as wine), and free shipping on certain items purchased through their website. They also both offer special payment options such as automatic payments every month or having your bill split into multiple payments throughout the year so that it’s easier on your budgeting plan. Also included with either card is a free gift on your birthday – just make sure to register online before your birthday arrives!

Before you proceed, here’s everything you need to know about the BJs credit card. The BJs credit card can prove to be very helpful, and if you shop there frequently, you can learn more about it here.

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