I have been considering getting a credit card to earn BJ's rewards. Do you think their card is worth it or is there a better option to earn rewards?

Answered on June 05, 2016
Updated on June 05, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
There are almost always better alternatives to using a store card. In this case you can earn rewards without their credit card. They have a customer loyalty program called BJ's Perks. Membership in this program isn't free; it costs $100. But a basic membership will cost at least half that and probably a little more depending on any promotions they may be running. Each of their credit cards also have membership fees of up to $100 depending on the credit card you receive, so having their credit card won't save you any money in that respect. Their perks rewards program allows members to earn 2%. Their credit card offers 3% rewards. However, if you use their BJ's Perks Rewards membership combined with a card with rotating 5% categories, that would be 7%. So it is like double dipping in the reward pool.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.