Q:

What are the benefits of the BJ's Perks credit card?

A:

Quick Answer

Benefits of the BJ's Perks credit card include earning credit on purchases, discounts at BJ's gas, membership renewal savings and bonus earnings for the cardholder's first purchase at an unaffiliated retailer, notes BJ's. The company offers the BJ's Perks Plus MasterCard and the BJ's Perks Elite MasterCard, as of 2015.

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Full Answer

Earnings vary based on where the cardholder made the purchase and the type of card, explains BJ's. For most purchases made at BJ's or on the company's website, the cardholder earns 3 percent back with the BJ's Perks Plus card or 5 percent back with the BJ's Perks Elite card. If the cardholder uses the card for dining out or gas, he earns 2 percent back with either card type. All other purchases earn 1 percent back with either card type.

Cardholders receive a 10 cent discount on gas at BJ's gas stations with either card type, according to BJs.com. New card accounts are eligible for the bonus earnings benefit. After the first purchase at an unaffiliated retailer, the cardholder earns a bonus of $25 with the BJ's Perks Plus card or $50 with the BJ's Perks Elite card.

The BJ's Perks Plus card saves the cardholder $10 on the annual membership renewal fee, while the BJ's Perks Elite card saves him $25. To be eligible for this savings, the cardholder must enroll in BJ's easy renewal program, which automatically charges the membership fee to the cardholder's BJ's credit card. The company automatically puts cardholders in this program after approval for a credit card, notes BJ's website.

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