We all know the old saying, “A dollar saved is a dollar earned.” This is why you should save money anytime you get an opportunity. It could be a few dollars each day you go shopping, however, the savings add up pretty fast after a few months. One of the best ways to save is use a credit card from a wholesale store. When you are single, it may not make sense to buy anything from a wholesale store because everything you need will come in big packages.

You will therefore choose to source your supplies from retail stores, which sell most items in small and bigger smaller packages. However, when you have a family or three or more persons, it just makes a lot of economical sense to buy stuff in bulk. That is when buying from wholesale stores such as BJ’s starts to make sense. To get even more benefits, you may want to apply for the BJs Credit Card. If you are wondering whether it will be worth it, then check out its benefits below.

BJ’s Perks® Mastercard®

These are the Benefits to expect if you apply for the Perks® Mastercard®. The card is offered by BJs, and they are at liberty to change the terms from time to time. In that regard, you stand to save a lot once you apply and receive the BJs Credit Card.

Save on Gas

 When you fuel your car at BJ’s gas pumps, you get 10 cents for every gallon gas you buy. You do not get the reward in cash, but is added to your credit card.

In-Club and BJs.com Purchases

 You will get 3% cash back when you buy some items from bjs.com or make an in-club purchase. The cash is credited to your card, which you may use when you shop next time. The rewards expire after a period of sixth months.

Non-BJs.com Gas Purchases and Dining Out

Any time you dine out or buy gas from Non-BJs.com Gas pumps, and pay with your card, you will earn 2% cash back. The cash back earning expire after 6 months, and you must spend it in BJs stores.

Earnings for Using the Card Elsewhere 

When you use the BJs Mastercard® in other places, you will be rewarded with a 1% cash back discount. However, you will only be able to spend the reward in one of BJ’s stores. You cannot withdraw the cash or receive a check.

BJ’s Perks Elite® Cardmember

If you choose to apply for the BJ’s Perks Elite® Cardmember, you will receive the benefits discussed below. You will find that they are slightly are similar to those of the Plus card, except for the purchases you make at BJs.com and in-club purchases.

Buying Gas at BJ’s Gas 

You will get 10 cents credit when you buy gas at BJ’s, which you can redeem by buying something and using the credit card to pay for that item.

 In-Club and BJs.com Purchases

 You will receive a 5% cash back gift when you buy qualifying stuff from BJs.com and in-club stores. You need to use the electronic awards before they expire, which takes place within six months.

Dining Out and non

BJ’s Purchases – You will also be able to earn 2% cash back when you refuel from non-BJ’s gas stations or pay with the card when you dine out. The cash back is awarded if the merchant where you made a purchase or dined is in a qualifying category.

Spend where Mastecard is accepted

 You will be able to receive a 1% cash back if you buy stuff where Mastercard®. While the 1% may not seem like much, if you are shopping every day, it adds up quickly.

Other Benefits of the BJs Credit Card

Save More

 You will be able to save more by including the BJs card in your arsenal of shopping cards. As long as you are paying back in time, the cash back discounts will accumulate to significant savings within six months.

Indirect Reward Cash Rewards 

It may seem that being forced to buy something at BJs or its affiliate debits you access to your savings, but it is not entirely true. You can actually use the card to buy all supplies you need before the end of the sixth month. You can then use the save funds could have spent buying your supplies


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10 Benefits of Having a BJs Credit Card

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

BJ's Perks Plus Credit Card
Those who frequently shop at BJ's can find decent savings with their store credit card. The credit card also features a decent 2% savings on gas and restaurant purchases – you also receive $0.10 off each gallon of gas purchased at BJ’s.
BJ's Perks Plus Credit Card

How to apply for My BJ's Perks Mastercard
Visit the My BJ's Perks Mastercard website.Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.Check the information is accurate and submit your application.If you're denied click here

BJ's Perks Elite Credit Card
BJ’s offers two no-annual-fee credit cards: The BJ’s Perks Elite and the BJ’s Perks Plus, both of which provide ample rewards for frequent customers of the wholesale club.The BJ’s credit card may not be as good as other cash back credit cards, but it’s still worth consideration. Depending on which card you get, you can get between 3% and 5% back on BJ’s purchases, and 2% back on gas and restaurant spending. The BJ's credit cards are a great deal as long as you don't mind getting in-store vouchers as rewards.
BJ's Perks Elite Credit Card

My BJ's Perks credit card review
BJ's Perks Plus Credit CardAnnual Fee: No Annual FeeBJ's Membership Fee: $50Easy Renewal Discount: $10Rewards:3% back on most in-Club and BJs.com purchases$0.10 off every gallon of gas purchased at BJ's2% back on dining out and gas purchases outside of BJ's1% back on all other spendi

How To Pay Your BJ’s Wholesale Credit Card
If you are the holder of a BJ’s MasterCard issued by Comenity Capital Bank, you have a number of options to pay your monthly card bill, including paying:Online: Log in to your account at https://c.comenity.net/bjs/ and make your payment.By Mail: Send your payment to the following address: BJ’s M

How to Get the Most Out of BJ's Credit Card
Get gas at BJ’sUsed for BJ’s purchases

The Rewards of BJ's Credit Card
Rewards3% cash back on most in-Club and BJs.com purchases2% cash back on dining out and other gas purchases.1% cash back on other non-BJ's purchases everywhere else Mastercard is accepted.You can use your awards in-Club at the register in $20 increments.10¢ off/gallon savings at BJ's Gas®