BJ's Perks Plus Mastercard Calculator

Review the benefits of the BJ's Perks Plus Mastercard for BJ's Perks Rewards members and calculate how much cash back you can earn based on your spend.
Updated 2020-07-16 By Robert Flowers III

The BJ's Perks Plus Mastercard is a credit card for BJ's members that have BJ's Inner Circle membership. With this membership, you'll earn 3% cash back on eligible purchases made at BJ's in-store and online. You can earn a higher return with the more costly membership of BJ's Perks Rewards which is $55 more per year. If you spend more than $230 per month at BJ's, you will want to go with the higher membership.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The BJ's Perks Plus 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 Plus 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.

  • 3% BJ's
    • Includes in-store purchases at BJ's locations and online purchased made on
  • 2% Dining
  • 2% Gas Station
    • This does not include BJ's gas stations.
  • 1% Non-Category

Perks & Benefits

The BJ's Perks Plus Mastercard comes with two benefits which are cash off at the pump when getting gas at BJ's Gas Stations and a promotional credit plan for large purchases. It features the same perks and benefits as the BJ's Elite 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.


Annual Fee

The BJ's Perks Plus Mastercard does not have an annual fee, but it does require BJ's Inner Circle membership which is $55 per year. 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 Inner Circle membership.

Authorized User Fee

There's no fee associated with adding additional users to your BJ's Perks Plus 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 Plus Mastercard has a 3% foreign transaction fee. That means you'll be charged every time you use this card internationally. You'll want to find another credit card if you want to earn in international spend.

Rewards Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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