My bj’s perks credit card: benefits & features
The BJ's credit cards are a great deal as long as you don't mind getting in-store vouchers as rewards. Those who frequently shop at BJ's can find decent savings with their store credit card.
Your rewards can expire if not used, which we explain in greater detail below. Also, there is no way to turn your rewards into actual cash. This extra freedom gives those cards a lot more flexibility and value.
While they may not be your one go-to credit card for all spending, they can provide high rewards in-store. Given the current price of gas, that comes out to a rewards rate of 4.
All the rewards you earn accumulate into your. As we mentioned above, you cannot redeem the rewards for actual cash back. Once you receive your reward voucher, it will expire within six months.
Bj's wholesale club - live generously
Don't hold on to your points for long. They will expire if not used for 36 months.
The cards themselves have no annual fee. However, you must be a BJ's member to apply. The math works as follows:.
You can only pay for most purchases with one credit card, which presents an opportunity cost problem. When comparing cards, we look at the different scenarios where using one is better than the others.
Questions about working at bj's wholesale club
This allows us to more accurately measure their value. In net value, the cards are tied when it comes to dining and non-BJ's gas purchases.
The Citi card reigns supreme in all other instances. Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market.
Joe is currently a research analyst who covers credit cards and the payments industry. These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear.
ValuePenguin does not include all financial institutions or all products offered available in the marketplace. How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees.
These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.
To get an insurance quote over the phone, call: Agents available 24 hours a day, 7 days a week! Citi is an advertising partner. Good For…. Apply Now. On Chase's Secure Website.
The biggest flaw with the bj’s credit cards
January - March. On Citibank's Secure Website. Back to Top. Call Now. Getting discounts at BJ's. Everyday spending outside of BJ's. Decent rewards on gas and dining.
Review: should you apply for a bj's credit card?
Anyone looking for a card with a big welcome bonus. Annual Fee. BJ's Membership Fee. Easy Renewal Discount. Wholesale clubs; internet, cable and phone services; select streaming services. Gas stations and home improvement stores.