BJ’s Perks Plus™ Credit Card

The BJ’s Perks Plus™ Credit Card is given to new BJ’s members when they sign up for a $50 BJ’s Membership. It could be a great benefit to anyone who shops at BJ’s frequently.

If you’re looking for the upgraded version of this card, with 5% rewards on purchases made at BJ’s, as well as a larger sign up-bonus then take a look at the BJ’s Perks Elite Credit Card

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  • Rewards
    • Earn 3% cash back on purchases made at BJ’s and
    • Earn 2% cash back on purchases made at gas and dining outside of BJ’s locations
    • Earn 1% cash back on all other purchases
  • Signup Bonus Earn $25 bonus after making your first purchase
  • Chip Technology None
  • Foreign Transaction Fee based on currency
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 14.99% - 18.99% (Variable)
  • Cash Advance APR 24.99% (Variable)
  • Penalty APR 0%
  • 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.
  • $10 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.

Visitor Reviews

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

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Average rating:  
 8 reviews
by Stori
Fake News

Comenity Bank seems like a predatory card issuer. They simply closed my account after 5 weeks since I did only shop at BJ's (5% award and 10 cents on gas), did not transfer any balances and paid my first bill in full. If you want to maximize the benefits the card, they will close it. Don't waste your time - it sounds too good to be true. None of my other cards has ever done this.

by Jong Lee
Bj's Credit Card Company IS NOT WORTH IT!

As a former credit card employee, I know about customer service, which this company lacks! Ever since January, I called into the company to request a lost a Bj's credit card, over 20x, speaking with the normal employees, supervisors of those employees, then the supervisor above the supervisor. Even the supervisors do not know how to operate the credit card company. DO NOT TRUST ANYONE, NOT EVEN THE SUPERVISORS. EVERY SUPERVISOR PROMISES THAT YOU WILL RESECIVE YOUR CREDIT CARD IN 7 TO 10 BUSINESS DAYS, PRIORITY MAIL WOULD BE 3 BUSINESS DAYS, BUT NO, YOU DON'T RECEIVE IT. IF YOU ARE SENT A CREDIT CARD, IT'S THE WRONG CREDIT CARD HOLDER, THREE TIMES THIS HAPPEN TO ME. i AM CANCELING MY BJ'S DUE TO THIS INCOMPETENT COMPANY. I WIS THERE WOULD BE AN OPTION FOR 0 STARS.

by Daniele
Nothing but GREAT things to say

I've had no problems with this account whatsoever.I pay my balance off completely every month, most times before the bill is due. I use it to pay ALL my utility bills, car insurance, all things I normally do with checks or debit.Why not, I have the cash for the bills anyway.This credit card has managed to push my FICO credit score to almost 800 in the first year.The register rewards I've gotten back from them in the first year is $180. (As soon as I got the card, I bought the new washer and dryer I needed and had saved for, that helped)Tomorrow I'm going to cash in on their price guarantee for 6 Disney dolls I bought on Black Friday, whose price are $3.00 lower on each.I couldn't be happier with them.I guess I could be happier, if they upped the cash back to 1.5% like my new credit card. But thanks to them, I was ABLE to get another credit card.Basically they are paying me to raise my credit.Thanks Comenity and BJ's.

by maggie
negative 5 rating

horrible customer svc!!!!!!!!!! worst credit card!!

by Michael M
The most untrusty bank so far

I was approved for a fair amount of credit, after accepting a pre-approval offer from BJ&Comenity Bank. They advertised 0% APR until Sept 2018 and No Fees on balance transfers, which was the primary reason for me to apply. Too good to be true, and apparently it wasn't. Upon account opening, it turned out that they don't run any balance transfer promotions and balance transfers are not at all available, regadless fee or no fee. After hours spent on the phone with a few "supervisors", I was advised to mail the paper form for balance transfer request, and they will do it. Unfortunately, that was another lie. Tickets raised with their customer service, Disputes to no avail. To this date, balance transfers on that account are not possible. Their letter offer was signed by Stephanie Meltzer-Paul, VP-Membership Engagement. Based on their product and the way they treated me, I can sincerely recommend you to stay away from doing business with them.

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