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Decoding the BJ’s Credit Card: 8 Essential Facts for Consumers

Jan 26, 2024 By Triston Martin

Navigating the world of credit cards can be a complex task, especially when every retailer has a credit card offer of their own. One such card is the BJ's Credit Card, a popular choice among consumers for its attractive perks and benefits. However, understanding the fine details of this card is crucial for making an informed decision. This article aims to provide an in-depth look at the BJ's Credit Card, offering insights into its benefits, drawbacks, and all the essential facts one must consider. Whether you're a regular BJ's shopper or a budget-conscious consumer looking to maximize rewards, this guide will help you determine if the BJ's Credit Card is the right fit for your financial needs.

What is the BJ's Credit Card?

The BJ's Credit Card is a store credit card offered by BJ's Wholesale Club, a well-known membership-based warehouse club chain in the United States. It can only be used for purchases at BJ's locations and online at, making it a closed-loop or proprietary credit card. This means that unlike traditional credit cards, the BJ's Credit Card is not affiliated with any major credit card network, such as Visa or Mastercard.

8 Essential Facts to Know About the BJ's Credit Card

1. Membership Requirements

To apply for a BJ's Credit Card, you must first be a BJ's member. The card is not available to non-members. This requirement underscores the card's targeting strategy - it is designed primarily for those who frequently shop at BJ's. The annual membership fee can range from $55 for a standard membership, to $110 for a Perks Rewards membership, which offers additional cash back rewards. It's essential to factor in this cost when considering the overall benefits of the card.

2. Cash Back Opportunities

The BJ's Credit Card offers an enticing cash back rewards program for its users. Cardholders can earn impressive cash back rates on their everyday purchases at BJ's, including 5% back on most in-club and online purchases, 2% back on dining and non-BJ's gas purchases, and 1% back on other purchases. This means that the more you use this card for your shopping and daily expenses, the more cash back you accumulate. Ultimately, this feature can translate into significant savings for frequent BJ's shoppers, making it an appealing option for those seeking to maximize their shopping rewards.

3. No Annual Fee for the Card

Unlike many other credit cards, the BJ's Credit Card does not charge an annual fee. This feature is a significant advantage for cardholders as it reduces the cost of maintaining the card. However, it's important to remember that BJ's membership fees still apply, which can range from $55 to $110 per year. Therefore, while there is no direct cost for the card, indirect costs associated with maintaining a BJ's membership are still in play.

4. Higher Interest Rate

One notable drawback of the BJ's Credit Card is its high annual percentage rate (APR) of 29.24%. This interest rate is significantly higher than the average credit card APR, which is currently around 16%. Therefore, this card may not be suitable for individuals who tend to carry a balance on their credit cards and are looking to minimize interest charges. It's essential to pay off the balance in full each month to avoid excessive interest charges with this card.

5. No Introductory APR or Balance Transfer Offers

Another significant disadvantage of the BJ's Credit Card is its lack of introductory APR offers for new cardholders. Many credit cards offer a 0% interest rate for an introductory period, typically around 12 months, to attract new customers. Additionally, there are no balance transfer options available with this card, meaning that you cannot transfer existing credit card debt to the BJ's Credit Card and take advantage of a lower interest rate. If you're looking for these features, this may not be the right card for you.

6. Special Financing Options

One unique benefit of the BJ's Credit Card is its special financing options for select purchases. For example, cardholders can take advantage of 0% APR for six months on certain electronics and furniture purchases over $499. However, it's crucial to read the fine print carefully as these offers often come with deferred interest conditions, meaning that if you don't pay off the balance by the end of the promotional period, you'll be charged interest on the full purchase amount.

7. Exclusive Discounts and Perks

As a BJ's Credit Card holder, you'll also have access to exclusive discounts and perks at BJ's locations. For instance, cardholders can save up to 10 cents per gallon at BJ's gas stations, get free shipping on select online orders, and receive a complimentary membership for a household member. These perks can add up and provide significant savings to frequent BJ's shoppers.

8. Limited Acceptance

Lastly, it's essential to note that the BJ's Credit Card can only be used at BJ's locations and, limiting its overall acceptance compared to traditional credit cards. Therefore, if you're someone who shops at a variety of retailers and wants a card that can be used anywhere, this may not be the best option for you.


The BJ's Credit Card can be a valuable financial tool for frequent BJ's shoppers, offering significant cash back opportunities and various exclusive perks. However, it's crucial to consider its limitations, such as the high APR and limited acceptance, before applying. Ultimately, understanding your spending habits and comparing this card to other credit card options will help you determine if the BJ's Credit Card is the right fit for your financial needs. So, it's essential to do your research and make an informed decision before applying for this card. Happy shopping at BJ's!

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