BJ’s One+™ Credit Card
BJ’s One+™ Credit Card
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
20.24% - 30.24% (V)
Balance Transfer
APR: 20.24% - 30.24% (V)
Balance Transfer Fee
Rewards
Earn $40 in rewards when you apply and get approved for the card.
5% back in rewards on most purchases at BJ’s.
2% back in rewards on purchases everywhere else Mastercard® is accepted.
Your rewards never expire. Redeem your rewards in-club, on BJs.com or in the BJ’s app.
15¢ off/gallon at BJ’s Gas®.
BJ’s One+™ Credit Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Only BJ's Wholesale Club members can apply. Based on your BJ's membership, you will be directed to the appropriate credit card.
cash advance fee | 5% (min $5) |
cash advance APR | 32.24% (V) |
foreign transaction fee | $0 |
smart chip | Yes, chip-and-signature |
max late fee | $40 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 25 days |
BJ’s One+™ Credit Card Pros & Cons
No membership fees
High rewards rate
$40 initial rewards bonus
No foreign fee
One-time fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Compare The BJ’s One+™ Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR20.24% - 30.24% (V) | Regular APR19.48% or 29.99% (Variable) | Regular APR20.24% - 28.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about BJ’s One+™ Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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How long does it take to get the BJ's Perks Elite Credit Card?
Unfortunately, you can no longer get the BJ'S Perks Elite Credit Card, as this card has been discontinued. However, you can get the BJ’s One+™ Credit Card instead. It takes 7-10 business days to get this card in the mail after being approved for it. Unfortunately, there's no way to speed up this process.
If it's been more than 10 business days and you still haven't received your card, call (844) 202-9570 to ask about it.
Does a BJ's Perks credit card double as a membership card?
Yes, the BJ's credit card is also a membership credit card.
BJ’s One+™ Credit Card Reviews
Share your insights and review for the BJ’s One+™ Credit Card
What's Your Rating?
The monthly statement does not show membership/fee renewal date, does not show how many rewards have been earned YTD, very hard to see if it is accurate from the statement. Must communicate with BJs member care for corrections or information. If you express unhappiness with Mastercard for repeat issues, and the consideration that you may leave, they basically say Okay. They could care less if they keep BJs mastercard customers. Last month called in to question a charge, didnt know what it was. Mastercard told me it was an online purchase. They started a fraud investigation, and were about to shut down the cards again. I went through 3 different people, BJs customer care and back. Over an hour on the phone to learn that it was a pre pay checkout from my phone. Mastercard should know how charges are deemed from BJs, if it is an Elite member program. What a waste of time because they dont communicate. Never really experienced anything like it, but still have the card- getting rewards. It would also be nice to call into Mastercard and have the automated system NOT ask me to update my home phone number, and it can't be a cell phone number. We have not had house phones for 15 years. BJs, fix your relationship with Mastercard. It's broken.
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