BJs Credit Card Application Online – Requirements & Eligibility

BJs credit card is good for those who are regular shoppers from the company’s warehouse stores.

There are two different credit cards from BJ’s-

  • BJ’s Perks Plus and
  • Elite credit cards.

There is no annual fee on the credit cards yet they both have a membership fee. For Perks Plus, you must pay a membership fee of $50 and $100 for Elite credit cards.

You get vouchers that you can utilize only at BJ’s stores and its easy to redeem these vouchers but they expire within 36 months, so you must use them within that time frame. If you want a credit card, you must apply for it. To apply, you will have to go online and fill up a form.

If you have a credit card, you need to know a few essential points about it.

Notable Credit Card FeaturesBJ’s Perks Plus credit cardElite credit cards
Annual Fees$0$0
Purchase APR14.99% or 24.99% per annum12.24% to 21.99%
Balance Transfer APR26.99%12.24% to 21.99%
Foreign Transaction Fee3%3%
Credit scoresMinimum 700700+

How to apply for BJs credit card application?

To apply for the BJs credit card, you must go online and click on the given link.

BJs Perks Mastercard
  • When you click on the Apply Now tab, you will need to fill out the application form.
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Apply Now BJs Perks credit card
  • Enter your membership number, first and last name to start with.
BJs perks application requirements

Once you click the Continue tab, you will need to fill in a few more information before clicking the Submit tab.

You need to add your income-related and employment details apart from adding your SSN and other such information.

BJs Credit card application requirements

The application requirements include the following conditions.

  1. You must be a US citizen.
  2. Citizens applying for a credit card must be 18 years and above.
  3. Applicants must have an SSN (social security number).

Who is eligible?

Eligibility criteria include the following conditions.

  1. You must have an email address.
  2. Applicants need to also have a valid phone number.
  3. Your account must not be a defaulter’s account

Also read: Bloomingdales credit card Login

Card benefits

Credit card benefits include the following;

  1. 10 cents off the gas at BJs gas stations and 2% cash back at non-BJs gas stations.
  2. There is no annual fee for the use of the BJs credit cards at any point in time.
  3. You can use the credit card at BJs gas and club stations.


What bank does BJ’s credit card use?

The card is given by Comenity Bank.

Can you use a BJ's credit card anywhere?

Those credit cards which are Mastercards can be used everywhere. However, store credit cards cannot be used everywhere and must be used only in BJ’s stores.

Does BJ’s credit card have an app?

The card has an app for those users who cannot go online through their systems.

Does BJ’s credit card have an annual fee?

They do not have an annual fee for their use.


Here is what you must know about the BJs credit card before you move on with it. The card can make your life easier and if you frequent the store, you can read more about the credit card here.

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