What Are the Perks of Having a BJ's MasterCard?


Quick Answer

As of 2015, a BJ's Wholesale Club My BJ's Perks MasterCard, My BJ's Perks World MasterCard or My BJ's Perks World for Business card entitles cardholders to perks and discounts, including savings on food and other items from BJ's, cash back from in-store purchases, savings at gas stations and savings at participating retailers that accept MasterCard. BJ's has two levels of MasterCard rewards: the Perks Plus and Perks Elite, as noted on the company's website. The Perks Plus MasterCard offers some savings and benefits while the Perks Elite MasterCard offers additional savings and rewards.

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Full Answer

At the basic My BJ's Perks level, BJ's MasterCard holders enjoy up to three percent savings on purchases made in BJ's physical stores or online. Cardholders also enjoy savings of 10 cents per gallon of gasoline at participating BJ's gas stations. Cardholders can receive up to two percent cash back from dining at restaurants or getting gas from locations that cross-honor the BJ's card. Cardholders at this level enjoy a one percent savings on non-BJ's purchases wherever MasterCard is accepted, states the website. As of 2015, this card is available for a first-time membership fee of $50 with successive renewals reducing the annual membership costing to $40.

The Perks Elite card gives a five percent cash back rate on purchases made at BJ's brick-and-mortar or online shops. It also gives cardholders savings of 10 cents per gallon of gasoline at BJ's gas stations. Cardholders enjoy a two percent cash back rate at participating restaurants and gas stations, along with one percent cash back when shopping at retailers that accept MasterCard. A $50 bonus is added to the account after the first non-BJ's purchase; for the basic level, that amount is $25.

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