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BJ’s Perks Elite™ Mastercard

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If you want to get the most out of your BJ’s experience, this no annual fee Mastercard could be a good choice. It features 5% cash back on most BJ’s purchases made in store and online, and saves 10¢ per gallon on BJ’s gas.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 16.74%–26.74% Variable

BJ’s Perks Elite™ Mastercard

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


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

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.99%
Balance Transfer Fee 5%, $10 minimum
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 28.74% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
BJ’s Perks Elite™ Mastercard


  • 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



Comenity Capital Bank

Comenity Capital Bank has several card types depending on your needs.

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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.

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