BJ’s Perks Elite™ Credit Card

The BJ’s Perks Elite™ Credit Card offers the most in terms of rewards in BJ’s Rewards Membership program. If you shop at BJ’s a lot this is the card for you; 5% of every $1 spent on purchases at BJ’s is given back in the form of in-store rewards.

Cardholders can upgrade to this card by paying a $100 annual fee rather than pay the $50 fee for a BJ’s Membership which comes with the BJ’s Perks Plus Credit Card.

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Quick View

  • Rewards
    • 5% cash back on purchases made at BJ’s and
    • 2% cash back on purchases made at gas and dining outside of BJ’s locations
    • 1% cash back on all other purchases
  • Signup Bonus $50 in awards for making your first purchase
  • Chip Technology None
  • Foreign Transaction Fee based on currency
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR 24.99% (Variable)
  • Penalty APR -
  • Late Fee Up to $35
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 10¢ Off Every Gallon: When buying fuel at BJ’s; purchases made at BJ’s Gas accrue rewards.
  • $25 Annual Membership Renewal Savings


  • Zero Liability Protection: Cardholders aren’t held liable when this card is used without their approval.
  • MasterCard Global Service: 24-hour assistance for emergencies related to lost or stolen cards and cash advances. For lost or stolen card reporting, card replacements, and cash advances.
  • Identity Theft Resolution Services: Help with identify theft via credit bureau notifications and 24-hour specialists.


  • Extended Warranty: If the original manufacturer’s warranty and service contract/optional extended warranty is 12 months or less it can be doubled with this feature.
  • Price Protection: Cardholders can get reimbursed for the difference between two items if they find a lower price for the item at another store within 60 days of the original purchase.

Mastercard Benefits

  • This card comes with Mastercard benefits. You will be provided with a list of benefits available to you once you get approved for your card.

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