The BJ's Perks Elite Mastercard is a credit card for BJ's members that have BJ's Perks Rewards membership. With this membership, you'll earn 5% cash back on eligible purchases made at BJ's in-store and online which is 2% more than what you'll earn as a BJ's Inner Circle member with the BJ's Perks Plus Mastercard. If you spend more than $230 per month at BJ's, you will want to go with the higher membership.
|Authorized User Fee|
|Foreign Transaction Fee|
The BJ's Perks Elite Mastercard features three bonus categories which consists of BJ's, dining, and gas station. There's no limit to the amount of cash back you can earn with the BJ's Perks Elite Mastercard in general, but you can only earn up to a total of $500 in cash back awards within a 12-month period within the BJ's Rewards Program. You'll want to remember that as you're running BJ's spend through the card.
- 5% BJ's
- Includes in-store purchases at BJ's locations and online purchased made on bjs.com.
- 2% Dining
- 2% Gas Station
- This does not include BJ's gas stations.
- 1% Non-Category
Perks & Benefits
The BJ's Perks Elite Mastercard offers cash off at the pump when getting gas at BJ's Gas Stations and promotional financing on large purchases. It features the same perks and benefits as the BJ's Perks Plus Mastercard.
- 10¢ Off/Gal BJ's Gas
- This is an unlimited, everyday benefit.
- Promotional Credit Plan
- Purchases of $375 or more made on the card are eligible.
- No interest if paid within 6 months.
Sign Up Bonus
The BJ's Perks Elite Mastercard does not have a sign up bonus.
The BJ's Perks Elite Mastercard does not have an annual fee, but it does require BJ's Perks Rewards membership which is $110 per year. Which membership you end up with will depend on how much you spend at BJ's. If you spend more than $230 per month ($2,750 per year), you'll be better off with the $110 BJ's Perks Rewards membership over the $55 BJ's Inner Circle membership.
Authorized User Fee
There's no fee associated with adding additional users to your BJ's Perks Elite Mastercard. Once your account is opened, you can add up to four total authorized buyers to your account. This can help you build your rewards with BJ's faster.
Foreign Transaction Fee
The BJ's Perks Elite Mastercard has a 3% foreign transaction fee. This means you'll be penalized when you use the card for international purchases.
You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.