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BJ's Business Elite™ Mastercard®
BJ's Business Elite™ Mastercard®
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
At a Glance
The BJ's Business Elite™ Mastercard® is a business card that maximizes savings at BJ's Wholesale Clubs. Your company can earn up to 5% back on BJ's purchases while savings 15 cents at the pump - all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in rewards on most BJ's purchases
- 15¢ off/gal. at BJ's Gas®
- 2% back in rewards everywhere else Mastercard® is accepted
- World Elite Mastercard® status
- Regular Purchase APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Late Payment Penalty Fee: Up to $40
- Your company frequently buys supplies at BJ's Wholesale
- Your company frequently purchases gasoline at BJ's locations
- You plan on issuing employee cards to maximize rewards
- You don't want to pay an annual fee
BJ’s One+™ Mastercard®
BJ’s One+™ Mastercard®
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Balance Transfer APR
- 31.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The BJ’s One+™ Mastercard® helps you save big at BJ's Wholesale Clubs with up to 5% cash back in rewards on most BJ's purchases, 15 cents off each gallon of gas at BJ's Gas locations, and 2% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in rewards on most purchases at BJ’s
- 2% back in rewards on purchases everywhere else Mastercard® is accepted
- 15¢ off/gallon at BJ’s Gas®
- Your rewards never expire
- Redeem your rewards in-club, on BJs.com or in the BJ’s app
- Regular Purchase APR: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
- Cash Advance APR: 31.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- You already shop at BJ's and have a The One membership account
- You pump your gas exclusively at BJ's Gas locations
- You don't want to pay an annual fee
BJ’s One™ Mastercard®
BJ’s One™ Mastercard®
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Balance Transfer APR
- 31.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The BJ’s One™ Mastercard® helps you save big at BJ's Wholesale Clubs with up to 3% cash back in rewards on BJ's purchases, 10 cents off each gallon of gas at BJ's Gas locations, and unlimited 1.5% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% back in rewards on most purchases at BJ’s
- 1.5% back in rewards on purchases everywhere else Mastercard® is accepted
- 10¢ off/gallon at BJ’s Gas®
- Your rewards never expire
- Redeem your rewards in-club, on BJs.com or in the BJ’s app
- Regular Purchase APR: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
- Cash Advance APR: 31.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- You already shop at BJ's and don't have a The One membership account
- You pump your gas exclusively at BJ's Gas locations
- You don't want to pay an annual fee
Divvy Credit Card
Divvy Credit Card
At a Glance
The Divvy Card is a corporate business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You're looking for a card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You want unlimited virtual cards
- You spend heavily on travel, dining, and software
Mastercard® Black Card™
Mastercard® Black Card™
- 19.49% Regular Purchase APR
- 19.49%. This APR will vary with the market based on the Prime Rate. Balance Transfer APR
- 29.74%. This APR will vary with the market based on the Prime Rate. Cash Advance APR
At a Glance
An exclusive and complete credit card, the Mastercard® Black Card™ is a statement piece that offers a wide range of unique benefits not found anywhere else. Beyond a 2% redemption rate for airfare and 1.5% for cash back, the Black Card provides a full lifestyle experience that goes beyond just amassing points – and that more than makes up for its annual costs. Once approved, customers can expect 24/7 personalized concierge service, VIP discounts, and attractive memberships.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Patented black-PVD-coated metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
- Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
- Enrollment in Priority Passâ„¢ Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
- Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
- Mastercard World Elite Benefits: World Elite is Mastercard’s highest benefits level. World Elite Mastercard benefits include exclusive discounts from Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™, Cellular Telephone Protection and more. Additional Terms & Conditions Apply.
- Regular Purchase APR: 19.49%
- Intro Balance Transfer APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
- Balance Transfer APR: 19.49%. This APR will vary with the market based on the Prime Rate.
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74%. This APR will vary with the market based on the Prime Rate.
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Annual Fee: $495
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a frequent traveler who aims to earn rewards that can be redeemed for airfare at an unmatched rate
- You're looking to minimize your wallet via an everyday credit card that rewards on every redemption
- You aim to stand out from the crowd with an expertly-crafted metal credit card weighing 22 grams
- You're seeking a dedicated 24/7 Concierge service offering personalized assistance to meet a variety of requests
- You stay at high-end hotels and exclusive resorts that offer Cardmembers amenities, breakfast vouchers and resort credits
- You're interested in premium travel benefits and protections found in few competing credit cards
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The information related to Citi Rewards+® Card, Costco Anywhere Visa® Card by Citi, Meijer Mastercard®, and Citi Rewards+ Student Card has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
What Is a Cash Back Credit Card?
Cash back credit cards offer cardholders rewards as money, instead of miles or points. These cash reward redemption options include:
- Statement credits
- Deposits into linked savings or checking accounts
- Physical checks
Some cash rewards programs allow cardholders to redeem your cash for gift cards, merchandise, or other options as well.
Not all transactions earn cash back rewards. Always read the fine print in your credit or debit card’s terms and conditions to ensure you understand what qualifies for rewards. The following transactions are typically ineligible for cash back:
| Balance transfers | Card account checks | Unauthorized or fraudulent transactions |
| Cash advances | Returns for credit | Traveler’s cheques or foreign currency purchases |
| Lottery tickets | Money orders or wire transfers | Reloading of a prepaid debit or gift cards |
| Card fees, late fees, or finance charges | ||
Common Cash Back Reward Categories
What Are the Different Types of Cash Back Cards?
Not sure what’s the best type of cash back for you? Here’s how the different categories breakdown – and what’s your best card:
| Cash back type | Pros and cons | Best pick | ||
| Unlimited, flat-rate | Lowest rewards rate but lowest hassle | Citi® Double Cash Card | ||
| Tiered cash back | Better cash back on select categories but worse rewards on other purchases | Upgrade Triple Cash Rewards Visa® | ||
| Rotating categories | Perfect for planning ahead but less value in some months | Discover it® Cash Bac | ||
| You choose the categories | Excellent versatility but requires the most account maintanence | Citi Custom Cashâ„ Card | ||
What Is the Best Cash Back Card for Me?
Trying to find the best cash back card for your needs? Here are some of the best offers on the market from leading banks, lenders, and partners:
 Citi® Double Cash Card |
Best for unlimited cash backEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. |
 Savor Cash Rewards Card |
Best for entertainmentEarn unlimited 4% cash back on dining, entertainment, popular streaming services and at grocery stores. |
 Citi Custom Cashâ„ Card |
Best for accelerated cash backEarn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. |
 Upgrade Cash Rewards Visa® |
Best for low APRCombine the flexibility of a credit card with the predictability of a personal loan + unlimited 1.5% back as you pay. |
The Upgrade Cash Rewards Visa® charges no fees, offers low rates, earns cash back, and grants credit lines of up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals – but its unlimited cash back rewards mean it still deserves a place in the “Cash Back Rewards” cards, too.
FAQs About a Cash Back Rewards Credit Card
Here are answers from some of the most asked questions about cash back credit cards:
- Cash back credit cards are like any other rewards card. You make a purchase, and you get rewards in the form of points. Unlike other rewards cards, however, these credit cards offer the best redemption options as cash awards. These awards take the form of deposits into bank accounts, statement credits, or gift cards.
- Some card issuers, like Discover, offer a cashback match after the first year. A cash back match is when the bank automatically doubles your cash back after a set period. If you earn $100 in cash rewards, for example, the bank will double that to $200 – no questions asked.
- Points and cash back are mostly the same. All rewards cards earn points. Some cards, however, offer better redemption value for different options. Cards like the Chase Sapphire Cards are much better at travel than something like the Blue Cash Preferred Card from American Express for example.
- The time for points or cash back to show up in your account varies based on the transaction and the card issuer. Most transactions appear in your account within a few days, but sometimes cash back might not show up for a week or so. If you still do not see your cash back rewards after several weeks, contact your card issuer to get clarification.
- Some card issuers have limits on the minimum amount of rewards before cardholders can cash out. Others, however, have no minimum requirements. Deciding when to cash out is a personal decision. Many experts believe that redeeming cash back every month is an excellent habit to get into, as it can help reduce monthly payments and boost the amount of cash you have for everyday spending.
- The average credit card cash back is between 1% and 2%.
- To get the most out of a cash back credit card, you should carefully spend on bonus categories to maximize rewards.Â
- Not all credit cards offer rewards, like points, cash back, or discounts. Always read the card’s fine print before applying to ensure you don’t end up with a product you don’t want.
- In some cases, yes, though this is difficult. One easy way to get the most value from purchases is to stack offers or coupons. BestCards membership is a great way to boost your savings while using your desired credit card. And, it is free to join.
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