BJ's Credit Card Deal: Earn 15% Back on TVs and More

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Disclaimer

This article only reviews BJ's credit cards. We may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship with advertisers.

The BJ's credit card deal

New and existing BJ's One+ Mastercard cardholders will earn 15% back in rewards when purchasing a TV for $399 or more at BJ's Wholesale Clubs until February 23, 2025. While this is a short window for extra savings with a rewards credit card, it's worth checking out if you already shop at BJ's.

To get a card, you will need to be a BJ's member. The cards do not have annual fees, but you will need to pay BJ's club membership fees annually. They range from $60 (making you eligible for the BJ's One Mastercard) to $120 per year (making you eligible for the BJ's One+ Mastercard).

Rewards are in the form of credit for BJ's purchases, unlike a typical cash back credit card.

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We recommend the higher tier, BJ's One+ Mastercard, especially if you fill your tank at BJ's gas stations. The card gives you 15 cents off per gallon year-round, not just during the promotion.

Top rewards rate: 5% back in rewards on most purchases at BJ’s.
Other rewards: 2% back in rewards on purchases everywhere else Mastercard® is accepted
Gasoline reward: 15¢ off/gallon at BJ’s Gas®.
Expiration: Rewards never expire.
How to redeem rewards: Redeem in a physical store, on BJs.com or in the BJ’s app.
Annual fee: None, but a $120 annual BJ's membership fee is required.
Interest rates: 20.24% - 30.24% variable APR for purchases and balance transfers.

The fine print

Members within their first year of membership will receive $40 in rewards when they apply and are approved for a new BJ's One® or BJ's One+® Credit Card.
Rewards will be added to the membership account in approximately 7-10 business days after credit card account opening.
Valid one time only.
Offer valid for first time members only and excludes Business members, trial members, online-only members and vendor members.
BJ’s One ^® Credit Card cardholders earn 3% back and BJ’s One+^® Credit Card cardholders earn 5% back in rewards on eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app.

Rewards cards dos and don'ts

As with any rewards credit card, be sure to weigh these benefits against fees — a $120 annual BJ's membership fee in this case — and make sure you understand how to use the card effectively. That said, $120 is a relatively small price to pay if you max the benefits.

In addition, while reward credit cards are great if you use them wisely, always pay them off in full each month to avoid interest, which can dwarf the gain. And don't spend any more than usual to hit any trigger; otherwise, rewards cards can be a false economy as you’d be overspending.

Ellen writes and edits retirement stories. She joined Kiplinger in 2021 as an investment and personal finance writer, focusing on retirement, credit cards and related topics. She worked in the mutual fund industry for 15 years as a manager and sustainability analyst at Calvert Investments. She earned a master’s from U.C. Berkeley in international relations and Latin America and a B.A. from Haverford College.