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Is it worth it?

January 6th, 2017 at 10:58 pm

So BJs has a credit card they're always pitching to me. It's 3% cash back on club purchases, 2% on dining out and gas purchases and 1% on everything else.

Plus. you get .10 off per gallon of gas all year long. In 2016 I only spent $558 in gas, mainly because I worked at home 2 days a week and then I got laid off. So figuring I'd get about 10 gallons of gas a week, the savings with BJs credit card would only be $52 saved a year, BUT I see they are now saying you also get $10 off your membership renewal every year, so I'd pay $40 instead of $50.

I used to split the membership with my mother and pay $25; I just sent off a note to my cousin in Jersey to see if she'd want to split it, since you can add one family member to your membership and get them a card.

So, I don't know, would you bother getting yet another credit card to save just $62 a year, but also for every year I had the card? I guess not....I suppose my driving mileage could increase should I get a job.

DRAT. I'm back down to a 16% savings on my car insurance with just 3.5 more weeks to go. And that doesn't include today's driving, which may have included 1 or 2 "hard brakes." It's virtually impossible to drive without "hard brakes," is what I have learned.

2 Responses to “Is it worth it?”

  1. Bluebird Says:

    At least you tried to reduce your insurance cost, and you'll probably get some savings!

  2. Single Guy Says:

    I've considered the BJs credit card, but it just isn't worth it for me. There are other credit cards that will give higher percentage off at wholesale clubs from time to time. Also Aldis is often just as cheap or cheaper for food, so I go to BJs so infrequently I don't get their memberships (instead I do the 3 month offers from time to time - currently in the middle of one now). You'll have to decide if it makes sense for you.

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