WalletHub Rating
3.8/5
BJ’s One+™ Credit Card has a rating of 3.8/5 according to our proprietary credit card rating system. This rating reflects how appealing BJ’s One+™ Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Gas Rewards'. To break it down further, BJ’s One+™ Credit Card earned a score of 5.0/5 for Fees, 3.4/5 for Rewards, 3.9/5 for Cost, and 3.8/5 for User Reviews.Info about the BJ’s One+™ Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
30 reviewsRead and write reviews
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Gas Rewards” for this card.
Fees
5.0
Rewards
3.4
Cost
3.9
Other Features
0.0
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
20.24% - 30.24% (V)
Balance Transfer
APR: 20.24% - 30.24% (V)
Balance Transfer Fee
Rewards
5% back in rewards on most purchases at BJ’s.
2% back in rewards on purchases everywhere else Mastercard® is accepted.
Your rewards never expire. Redeem your rewards in-club, on BJs.com or in the BJ’s app.
15¢ off/gallon at BJ’s Gas®.
BJ’s One+™ Credit Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Only BJ's Wholesale Club members can apply. Based on your BJ's membership, you will be directed to the appropriate credit card.
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BJ’s One+™ Credit Card Pros & Cons
No membership fees
High rewards rate
No foreign fee
One-time fees
No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Compare The BJ’s One+™ Credit Card vs. Popular Alternatives
BJ’s One+™ Credit Card | DoorDash Rewards Mastercard® | Capital One SavorOne Cash Rewards Credit Card |
---|---|---|
3.8WalletHub Rating WalletHub Rating 3.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.8 Market Comparison 3.8 fees: 5.0 rewards: 3.4 cost: 3.9 Other Features: 0.0 | 3.3WalletHub Rating WalletHub Rating 3.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.3 Market Comparison 3.1 fees: 5.0 rewards: 2.6 cost: 3.1 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.8 User Reviews 3.6 Market Comparison 4.2 fees: 5.0 rewards: 3.9 cost: 4.5 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time |
Regular APR20.24% - 30.24% (V) | Regular APR20.24% - 28.99% (V) | Regular APR19.99% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about BJ’s One+™ Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Upvotes
What credit bureau does BJS master card pull
Reply
Upvotes
How long does it take to get the BJ's Perks Elite Credit Card?
Reply
Evelyn Boros, Credit Cards Moderator
@evelyn_boros
Unfortunately, you can no longer get the BJ'S Perks Elite Credit Card, as this card has been discontinued. However, you can get the BJ’s One+™ Credit Card instead. It takes 7-10 business days to get this card in the mail after being approved for it. Unfortunately, there's no way to speed up this process.
If it's been more than 10 business days and you still haven't received your card, call (844) 202-9570 to ask about it.
1
Upvotes
Does a BJ's Perks credit card double as a membership card?
Reply
James D richard, WalletHub Analyst
@b2bfever
Yes, the BJ's credit card is also a membership credit card.
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Related Credit Card Categories
BJ’s One+™ Credit Card is related to the following categories:
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BJ’s One+™ Credit Card Reviews
Share your insights and review for the BJ’s One+™ Credit Card
5
43%
4
27%
3
10%
2
10%
1
10%
3.8
30 reviews
30 reviews
What's Your Rating?
Jennpesos5353
@Jennpesos5353
1 Star Rating
I applied for the Bj’s Perks Elite credit card 3 weeks ago. I didn’t receive a letter of approval or denial within those 3 weeks. I was told by a representative that I should receive a letter within 7-10 days. Well even after those days past they told me to wait an extra week. I waited...still no card or letter. Then after trying to call them about an update they hung up on me or sent me to an automated system which then hung up on me seconds later. I then called again and they said they had no info of me ever applying even though I received a hard inquiry from Comenity Bank. They told me to reapply even if a hard inquiry was surely going to happen, I told them if I could speak to a higher up and I was told they had no other form of contact, they only had a P. O and no email email address! How doesn’t a bank have any other form of communication other than sending a letter, especially since they are extremely delayed. And by the way this all occurred whilst having an excellent credit score, I’m astonished and annoyed by this company lack of organization and professionalism. I’m 100% looking to get my hard inquiry removed or to get a card without reapplying, because I’m definitely not getting 2 hard inquires from them. So this review is to let you know you can apply for their card and they could deny ever receiving one even if the proof is in your credit report.
Comment
amy8317
@amy8317
1 Star Rating
I wish I had read reviews before applying. I’ve only had the card for a few weeks. After a couple of uses it stopped working called and got it working again for one transaction and now it won’t work and when I call it says they are temporarily closed. What credit card company’s fraud department closes! This has been going on for a week and a half. I can not get through to anyone. So frustrating! All this before my first bill is even due!
Comment
Docdawn Docdawn
@docdawn
1 Star Rating
We have the elite. My wife travels, so the price reduction on BJs gas is helpful, and rewards earning for her work. That is about it. The customer service from this company is not pleasant. I can count 2 times in the past two years I was treated respectfully when questioning charges or failure for the card to work. There have been security breaches, the card has been compromised/replaced 3 times. Sometimes the card dosen't work at a retailer, and Master Card can't explain why. There is a poor communication line between BJs Wholesale Club and their Mastercard program.
The monthly statement does not show membership/fee renewal date, does not show how many rewards have been earned YTD, very hard to see if it is accurate from the statement. Must communicate with BJs member care for corrections or information. If you express unhappiness with Mastercard for repeat issues, and the consideration that you may leave, they basically say Okay. They could care less if they keep BJs mastercard customers. Last month called in to question a charge, didnt know what it was. Mastercard told me it was an online purchase. They started a fraud investigation, and were about to shut down the cards again. I went through 3 different people, BJs customer care and back. Over an hour on the phone to learn that it was a pre pay checkout from my phone. Mastercard should know how charges are deemed from BJs, if it is an Elite member program. What a waste of time because they dont communicate. Never really experienced anything like it, but still have the card- getting rewards. It would also be nice to call into Mastercard and have the automated system NOT ask me to update my home phone number, and it can't be a cell phone number. We have not had house phones for 15 years. BJs, fix your relationship with Mastercard. It's broken.
Comment
Kristina Prunitis
@kristinap15
5 Star Rating
I love the fact that you get the rewards taken out right at the register. I saved hundreds of dollars last year. I am the kind of person who pays my bill in full each month. 10 cents off at the pump is great too.
Comment
1
+ 26 WalletHub users submitted a rating without writing a full review
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