BJ’s Perks Elite™ Mastercard

For People with
Fair Credit



The BJ’s Perks Elite™ Mastercard can help you maximize rewards in BJ’s membership program. If you shop at BJ’s a lot this is the card for you.

Along with saving 10¢/gal on BJ’s gas, you’ll get 5% cash back on most purchases at BJ’s in-store or online, and 2% cash back on dining and non-BJ’s gas.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

  • Earn 5% cash back on purchases at BJ’s and
  • Earn 2% cash back on gas and dining outside of BJ’s locations
  • Earn 1% cash back on all other purchases
  • 10¢ off every gallon when buying fuel at BJ’s; purchases made at BJ’s Gas accrue rewards
  • No annual fee


For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% cash back at BJ’s and
  • 2% cash back at:
    • Non-BJ’s gas stations
    • Restaurants
  • 1% cash back on all other purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.24%–17.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 26.99%
Balance Transfer Fee 5%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 29.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Mastercard Benefits

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

  • 10¢ Off Every Gallon

    When buying fuel at BJ’s; purchases made at BJ’s Gas accrue rewards.

  • Zero Liability Protection

    Cardholders aren’t held liable for unauthorized purchases.

  • Mastercard Global Service

    24-hour assistance for emergencies related to lost or stolen cards and cash advances.

  • Identity Theft Resolution Services

    Help with identify theft via credit bureau notifications and 24-hour specialists.

  • Extended Warranty

    Doubles an original manufacturer’s warranty or service contract (for warranties of 12 months or less).

  • 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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by DebbiebAlexander
Non existent customer service

I have so far been on hold 6 hours . Two on Friday, Two on Saturday, and 2 on Sunday. I have yet to talk to a person. Ridiculous. If the gas perks were not as good I would cancel this card. This is unbelievable. I have had speedier and better service at the DMV. I had to put one star because it would not take a review without a star.

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