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BJ’s Business Elite™ Mastercard®

Cory Santos

| Last updated on November 13th, 2023

BJ's Business Elite™ Mastercard®

BJ's Business Elite™ Mastercard®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

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 do't want to pay an annual fee
BJ's Business Elite™ Mastercard®

BJ's Business Elite™ Mastercard®

Terms & Conditions

BJ’s Business Elite™ Mastercard®

The BJ’s Business Elite™ Mastercard® is a compelling cash back business card from Capital One and BJ’s, a leading wholesale club chain. The card replaces older Comenity-issued BJ’s credit cards, including the BJ’s Business Perks Plus® Mastercard® and BJ’s Business Perks Elite® Mastercard®.

How to Earn Rewards

Like the personal versions of the BJ’s Capital One credit cards, the BJ’s Business Elite credit card earns its best rewards at BJ’s locations across the United States. Companies earn 5% back in rewards on most BJ’s purchases, with only a select handful of transactions not qualifying for those maximum rewards:

Shipping Sales tax Bottle deposits Alcoholic beverages
Cigarettes and smoking products Lottery tickets Gift cards BJ’s gas
Online optical purchases Membership fees Warranties or protection plans BJ’s B2B and Global Sales transactions

Besides BJ’s purchases, companies can earn quality cash back with every swipe, tap, or online order. Your business will enjoy unlimited 2% cash back in rewards on all other purchases – not bad for a no annual fee business card.

The 5% back in rewards on BJs purchases is great – but like the consumer cards, the business version of the BJ’s Mastercard suffers from lacking a “gas” bonus category. Sure, companies save 15¢ off/gal. at BJ’s Gas, those savings only apply if you and your employees pump gas exclusively at BJ’s Gas locations. If not, there are better business cards, such as the GM Business Card™, which earns an impressive 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases (in addition to 5% back in Earnings for  GM dealership parts, accessories or service purchases).

How To Redeem Rewards

Redeeming rewards with the BJ’s Business Elite Mastercard is simple. Because the BJ’s credit cards are co-branded store cards, your redemption options are limited. Business cardholders can redeem rewards when shopping with BJ’s –at BJ’s checkout in-store or online.

Please note that you must have a minimum balance of $10 in rewards to redeem, and your purchase must be at least $10 to qualify for points redemptions. Rewards never expire for the life of your account.

World Elite Mastercard

The BJ’s Business Elite Mastercard is a full-fledged World Elite Mastercard product. World Elite is the premier tier in the Mastercard portfolio, offering companies the very best of protections, benefits, and more:

Zero Liability ID theft Protection Global Emergency Services Mastercard Biz
Car Rental Insurance Mastercard Airport Concierge Priceless Golf Business Controls
Mastercard Receipt Management Mastercard Easy Savings® Intuit QuickBooks® and TurboTax® Salesforce Essentials
Microsoft 365 24/7 Business Assistant Mastercard Premium Easy Savings Mastercard Travel & Lifestyle Services

Other Business Cards to Consider

Here are a few other small business and enterprise credit cards to consider:

Ramp Visa Card Revenued Business Card BILL Divvy Corporate Card
Guarantee required? No No No
Rewards Earn unlimited 1.5% cash back on every purchase None Earn up to 7X on dining purchases, up to 5X on hotels, up to 2X on recurring software subscriptions, and up to 1.5X on all other purchases
Integrations Block or restrict spending to a specific vendor – for either a specific card or your entire company Payment calendar and transaction history Combines seamless expense management software with business cards so you never have to process another expense report
Fees No fees – including foreign transaction, setup, or replacement fees No fees or hard credit checks to apply No interest rates, no annual fee

Other Card Features

Beyond the cash back rewards and fuel savings, the BJ’s Business Elite Mastercard provides a full suite of Capital One business and account management tools. These tools include choosing your credit card due date, free employee cards (including spend management and payment controls), and more. Your business will also enjoy seamless software integrations. Simply connect your Capital One Business card to ERP platforms like Quickbooks®, Concur Expense®, Expensify®, Xero®, and Abacus®

Other features include:

  • EMV chip and pin technology for additional layers of security
  • Year-end summaries of your spending to simplify budgeting and tax time.
  • Make vendor payments online and use your Capital One Business card to pay vendors that don’t accept cards for a 2.9% fee. 

Capital One Ratings

How is Capital One a credit card issuer? Here is a selection of reviews for the bank from consumers and experts alike:

Should You Apply for the BJ’s Business Elite™ Mastercard®?

The BJ’s Business Elite Mastercard is a decent business credit card if your small or medium-sized business is a BJ’s member and you spend heavily at the wholesale club. That’s because the card offers little beyond NJ’s savings. Sure, the 5% back on BJ’s purchases and 15 cents of savings at the pump are great – but only if you pump that gas at an eiligble BJ’s Gas location – if that isn’t your brand, there are plenty of other options to consider.

Other Cards to Consider:

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