BJ Wholesale Club Credit Card Acceptance Guide

BJ Wholesale Club is a membership-based warehouse club that offers a range of benefits to its members, including discounts on everyday items and services. As a result, it's essential to know which credit cards they accept for purchases.

BJ Wholesale Club accepts most major credit cards, including Visa, Mastercard, American Express, and Discover. This means that regardless of your preferred credit card, you can use it to make purchases at BJ's.

BJ's also offers its own credit card, the BJ's Perks Mastercard, which provides exclusive rewards and benefits to cardholders. This card is designed to help you save even more money on your purchases and earn rewards on your everyday spending.

BJ's Wholesale Club has a history of being consumer-oriented, and this is reflected in their credit card policies. They became the first major warehouse club to accept a credit card with a fee structure based on sales, specifically MasterCard.

BJ's is heavily promoting their own co-branded MasterCard, which has a lesser transaction fee because it's co-owned by BJ's and a Delaware-based bank. This card offers a 4% rebate on purchases made at BJ's with the card, and defers payment interest-free until January 31, 1996.

The co-branded card also offers a 2% rebate on BJ's purchases after January 31, 1996, and a 1% rebate on purchases made at other retailers. BJ's chose MasterCard because its fee structure best fit the club's needs, and they are adamant about keeping their prices low.

BJ's is now accepting the MasterCard at clubs in Albany, Saratoga, and Wappingers Falls, all in New York, and will roll out card acceptance by geographic region. They are testing the popularity of the card with their members in these locations.

Here are some key details about the credit cards accepted by BJ's Wholesale Club:

BJ's Wholesale Club accepts several other credit cards in addition to Discover and American Express. You can use your Visa credit card to make purchases at BJ's.

BJ's also accepts Mastercard credit cards, including Mastercard Cash Back and Mastercard Rewards. This is in addition to the Discover and American Express cards already mentioned.

If you have a credit card from a bank that also issues Discover cards, you can use it at BJ's. For example, if you have a PNC Bank credit card, you can use it to make purchases at BJ's because PNC Bank also issues Discover cards.

BJ's accepts most major credit card brands, so you should be able to find a card that works for you.

BJ's Wholesale Club offers a range of benefits to shoppers who use their credit cards. Shoppers can earn rewards on their purchases, which can be redeemed for future savings.

BJ's has two co-branded credit cards, the BJ's One Mastercard and the BJ's One+ Mastercard, both of which offer rewards on eligible purchases. The BJ's One Mastercard provides 3 percent back on eligible BJ's purchases, 1.5 percent in rewards wherever Mastercard is accepted, and 10 cents off each gallon of gas at BJ's.

The BJ's One+ Mastercard offers even more rewards, with 5 percent back on eligible BJ's purchases, 2 percent back wherever Mastercard is accepted, and 15 cents off each gallon of BJ's gas. This card is geared towards shoppers with the higher-tier Club+ membership.

Both credit cards also offer a discount on gas purchases at BJ's gas stations. Shoppers can earn 10 cents off each gallon with the BJ's One Mastercard and 15 cents off with the BJ's One+ Mastercard.

There's no annual fee with these credit cards, which is a nice perk for shoppers. However, you do need to pay for a club membership to qualify, which ranges from $55 to $110 per year.

Here's a breakdown of the rewards offered by the two credit cards:

BJ's Mastercard Credit Cards are a great option for frequent shoppers at BJ's Wholesale Club. The BJ's One Mastercard Credit Card offers 3 percent back on eligible BJ's purchases, 1.5 percent in rewards wherever Mastercard is accepted, and 10 cents off each gallon of gas at BJ's.

To qualify for the BJ's One Mastercard, you need to hold a Club level membership with BJ's, which costs between $55 to $110 per year. No annual fee is charged for the credit card itself.

The BJ's One+ Mastercard is geared towards BJ's shoppers with the higher-tier Club+ membership. This card earns 5 percent back on in-club and online BJ's purchases, plus 2 percent in rewards wherever Mastercard is accepted, and a 15-cent per-gallon discount at BJ's gas stations.

You can redeem your rewards for eligible purchases and membership fees at BJ's locations, online at BJs.com, or on the BJ's mobile app. Rewards don't expire, but you must have at least $10 in rewards to redeem them.

Here's a quick summary of the BJ's Mastercard Credit Cards:

BJ's offers two co-branded credit cards with Capital One, making it a great option for their loyal customers. The BJ's One Mastercard is geared toward Club level members, earning 3 percent in rewards on most in-club and BJs.com purchases.

These rewards can be redeemed for eligible purchases and membership fees at BJ's locations, online at BJs.com, or on the BJ's mobile app. The card also offers 1.5 percent back wherever Mastercard is accepted, and 10 cents off each gallon of BJ's gas.

The BJ's One+ Mastercard is a good fit for Club+ members, earning 5 percent back on in-club and online BJ's purchases. This card also offers 2 percent in rewards wherever Mastercard is accepted, and a 15-cent per-gallon discount at BJ's gas stations.

Both cards have no annual fee, but you'll need to pay for a club membership to qualify, which ranges from $55 to $110 per year. Rewards don't expire, but you must have at least $10 in rewards to redeem them.

Here's a quick comparison of the two cards: