USES

BJ's Perks Elite® Mastercard® Credit Card Review

BJ's Perks Elite® Mastercard® from Comenity Bank — all information about the credit card.

Updated December 18, 2023
Advertiser Disclosure Our Methodology
Comenity Bank BJ's Perks Elite® Mastercard®
Apply now
Our Rating:
4.29 out of 5
scorer
Recommended credit score
Good (670-739)
  • Rewards Rate:
    • 8.77% 10¢ off per gallon at BJ's Gas®.
    • 5% Cash Back on BJ's Purchases.
    • 2% Cash Back on non-BJ's stations.
    • 2% Cash Back on dining.
    • 1% Cash Back for everything else.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    20.24% - 30.24% Variable
  • Balance Transfer APR:
    26.99%
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
$39
Annual Fee
29.99%
Regular APR
1.5%
Cash Back on every purchase.
Learn more
on our partner’s site
Quicksilver Student Cash Rewards Capital One
Capital One Quicksilver Student Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
1.5%
Cash Back on all purchases.
Learn more
on our partner’s site
Apply now

Comenity Bank BJ's Perks Elite® Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
8.77%
BJ's Gas® purchases
$
5%
BJ's purchases
$
2%
Gas
$
2%
Dining
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 8.77% At BJ's Gas®.
    • 5% On BJ's Purchases.
    • 2% On non-BJ's stations.
    • 2% On dining.
    • 1% For everything else.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 20.24% - 30.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 26.99%
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee
  • No Intro APR period

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Rewards
  • Good Credit

About the issuer

Comenity Bank
Comenity Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Good credit score
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
4.35 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • N/A%
    Purchase Intro APR
Apply now
On Upgrade‘s website
Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.53 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • N/A%
    Purchase Intro APR
Apply now
On Upgrade‘s website
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

Comenity Bank BJ's Perks Elite® Mastercard® is an option for those, who need Classic features. With an APR of 20.24% - 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good (670-739) credit score. With Comenity Bank BJ's Perks Elite® Mastercard® you will get such features as No Annual Fee, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Capital One® Quicksilver Secured Cash Rewards
Capital One Quicksilver Secured Cash Rewards Credit Card
3.54 out of 5
Recommended credit score
scorer
No Credit History
  • None
    Annual Fee
  • 29.99%
    Regular APR
  • 5%
    Cash Back on hotel and rental car purchases through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site