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

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards
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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:  
 0 reviews
Not recommended

One of the worst cards to apply for. The comenity bank which issue credit card on behalf of the BJ's doesn't process the application in efficient way. I opened the credit card at store and then i received a mail, asking me to call a number and confirm my details. I called the number almost 7 times and couldn't reach out customer care, what so ever(each time i was kept on hold for almost 20-25 mins and i have to hung up). Finally one of the representative answered my call and i was approved with a decent credit limit. However they pulled my credit score twice(in separate dates). Also i haven't received my card even after 10 days and i called them again they said that they forgot to include the apartment number in the mail they send and said one of the supervisor gonna call be in next 7-10 business days and then they gonna issue a new card.

Its simply ridiculous. I never had these kind of issues before while opening a credit card.


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