All BJ’s Memberships are subject to certain Privileges and Conditions; see details for Rewards.

*Plus state and local sales tax where applicable or required by law. Upgrade fee may vary in GA.

¹Points will accumulate at 2 (two) points per one dollar ($1.00) spent on eligible purchases at the front-end registers at BJ’s Club locations and BJ's Gas^® stations and online at BJ’s web site www.bjs.com; points for all other purchases will accumulate at 1 (one) point per one dollar ($1.00) spent. Points earned may be rounded up or down to the nearest whole dollar for each transaction. Point accumulations will be reported monthly on your billing statement. Points are not transferable. A BJ’s Bucks^® check will be issued with your monthly statement in the amount of $30 for each 3,000 points accrued. Limit one BJ’s Bucks check per statement and the BJ’s Bucks check will be issued in increments of $30. Unused points will carry over to your next statement. Points are not transferable and will expire after thirty-six (36) months unless your account is closed by you or us. BJ’s Bucks checks sent with your monthly statement will expire after ninety (90) days if not redeemed. From time to time, BJ’s may offer special promotions on BJ’s merchandise. If you are a BJ’s Primary Member (a Primary Member is the person who purchases a BJ's Membership under his or her name) or a paid Supplemental Member, you can earn additional points on these promotional offers. For a complete listing of BJ’s specials and promotions, please visit your local BJ’s Club or www.bjs.com.

²The 0% introductory APR on Balance Transfers is applicable for the first 15 billing cycles after the account is opened. At the end of the introductory period, the APR for all Balance Transfer balances will be either 13.99% or 24.99%, which will be determined at account opening based on your creditworthiness. This APR will vary with the market based on the Prime Rate. There is a fee for Balance Transfers. This introductory APR offer does not apply to Purchase or Cash Advance transactions. See the enclosed Terms and Conditions for more information about how subject to applicable law, your APRs may increase if you pay late, go over your credit limit or a payment is returned for non-payment.

³Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may not be able to open an account for you. This offer is available to new Cardmembers only. For information about rates, fees, other costs, and the reward program rules (including point accrual rate, bonus point awards, etc.) and benefits associated with the use of this credit card program, please see the Terms and Conditions.