Bj Gift Card Promotion
Bj Gift Card Promotion - You may be using an unsupported or outdated browser. For the best experience, please use the latest version of Chrome, Firefox, Safari or Microsoft Edge to view this website. BJ's One+™ Mastercard®* Earn 5% in BJ's Wholesale Club. If you spend a lot of money at BJ's Wholesale Club, this credit card may be worth more.
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Bj Gift Card Promotion
However, most people would be better served by a credit card that earns more on all purchases, especially when you consider that this "no annual fee" card requires a Perks membership of $110 BJ to access the advertised rewards. BJ's Perks Elite Mastercard is a store brand credit card offered by Comenity Bank in partnership with BJ's Wholesale Club.
The card offers 5% off most purchases at BJ's and 10 cents per gallon off gas purchases at BJ's gas stations. BJ's Wholesale Club is a member-based warehouse club like Costco or Sam's Club that operates primarily on the East Coast of the United States.
In addition to earning at BJ's stores, the card earns 2% cash back at non-BJ's restaurants and gas stations and 1% cash back anywhere Mastercard is accepted. Prizes are awarded as certificates redeemable at BJ's Wholesale Clubs or BJs.com. It's worth noting that while this card has no annual fee, all rewards are subject to membership in the BJ Perks rewards program, which has an annual fee of $110.
Earning Rewards
The main offer of the BJ's Perks Elite Mastercard is that it earns 5% back on most purchases at the BJ's Wholesale Club. The card requires a $110 annual Perks Rewards membership, which rewards 2% cash back when you shop at BJ's without a credit card.
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In addition to earning from BJ's, the card earns 2% cash back on restaurant and gas station purchases and 1% cash back on all other purchases. Rewards are issued as $10 e-certificates in increments of two to three days after receiving more than $10 in rewards.
Rewards can be used for purchases at BJ's stores, through the BJ's mobile app, or on BJs.com, including BJ's membership fees. In addition to redeeming rewards for BJ's purchases, rewards program members can request a review of their outstanding rewards by contacting BJ's Member Care.
Terms and conditions allow card members to receive and redeem rewards if their membership expires and is not renewed, but non-member purchases at BJ's are subject to a service charge of 20% of the total purchase price. Prizes will be forfeited if BJ membership is cancelled.
Redeeming Rewards
Using data from various government agencies, Forbes consultants have developed estimates that families in the top 70 percent of income spend each year in various categories. The top 70 percent of households earn $100,172 a year and have $26,410 in credit card expenses. These numbers are used to estimate the possible rewards from this credit card.
One of the biggest spending categories for most families is food, with the average family spending $5,687 on cosmetics a year, with $284.35 in rewards if the spending is done at BJ's. Warehouse clubs often have the most affordable gasoline, so it makes sense to go to the club to fill up.
Our household buys $2,687 worth of gas each year, or 1,075 gallons at $2.50. If you buy gas at BJ's to get 10 cents off a gallon of gas, the gas reimbursement rate could be $107.50 per year. The card also offers 2% cashback on dining.
If you spend $4,406 a year on restaurants, your income in this category is $88.12. Finally, you can get $136.30 back per year for all other purchases that can reasonably be charged to your credit card, giving you $508.77 per year and $107.50 in gas rebates.
Redeeming Rewards
If you spend more time than the average family in a warehouse club, the above may not reflect your true earning potential. If you shop frequently at Warehouse Clubs, or if you're looking to make large purchases like large appliances, computers, or furniture, the rewards you get with the BJ's Perks Elite Mastercard can be even higher.
BJ's Perks Elite Mastercard does not offer any benefits beyond the standard Mastercard benefits included with all Mastercard credit cards. Many credit cards offer great rewards in revolving categories that often include warehouse clubs. The best of them all is the Chase Freedom Flex card.
In 2021, Warehouse Club was added to the Chase Freedom Flex 5% bonus category from January to March. In addition to earning 5% back in categories rolling up to $1,500 each quarter at signup, Freedom Flex offers 3% cash back on dining, takeout and pharmacy, on top of the 2% BJ's Perks Elite Mastercard.
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The card will charge 1% of all eligible spend. Finally, the card offers a number of additional benefits, including trip cancellation and interruption, extended warranty protection and mobile phone protection when you use your card to pay your bills. One way to understand how competitive the BJ's Perks Elite Mastercard is in its category is to compare it to its direct competitors.
Rewards Potential
Costco, the national warehouse club, has partnered with Citibank to offer the Costco Anywhere Visa Card. The Costco Anywhere Visa Card offers 4% cash back on eligible gas purchases and EV charges on the first $7,000 annually, then 1% cash back and 3% cash back on eligible dining and travel purchases, on other Costco purchases and 2% cash back on withdrawals.
And 1% cash back on Costco.com and all other purchases. Costco membership required. In addition to cash back benefits, the Costco Anywhere Visa Card includes up to 120 days of damage and theft protection on card purchases and offers extended warranty benefits. Costco's 2% cash back may not sound impressive compared to the BJ's Perks Elite Mastercard's headline figure of 5%, but keep in mind that the cash back earned on the Costco Anywhere Visa card is in addition to the cash back earned on Costco membership benefits.
Costco Executive members earn an additional 2% on eligible Costco spending up to $1,000 each year through that membership. If you value simplicity, the Citi® Double Cash Card is hard to ignore. The Citi® Double Cash Card earns 2% cash back on all purchases — 1% on purchases and 1% on redemptions.
That beats the BJ's Perks Elite Mastercard on all purchases, matching it for dining, and matching the earnings of the BJ's Wholesale Club when you consider that you get 2% back on your purchases at BJ's stores even without perks when you're a Perks Rewards member.
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