BJ's Rewards & BJ's Visa -- Get Both and Double Your Payback

BJ's Rewards Card
upgrade to BJ's Rewards
upgrade to BJ's Rewards

  • 2% back on most in-Club purchases to spend at BJ’s.

  • 2% back on most purchases.

  • Extra savings on services, including BJ’s Optical®, BJ's Travel® and more.

  • Complimentary monthly Member Savings Book with up to 100 coupons.

  • Complimentary quarterly BJ’s Member Journal with articles, recipes and even more coupons.

  • Upgrade Fee: $50. This fee will be prorated based on when your current Membership expires.* For example, with three months until expiration, upgrading is just $15; six months, $25; and nine months, $40.

  • Payback: Your Rewards earnings arrive every six months on a convenient wallet-friendly Payback Card. It’s easy to use at the Club for any purchase, including BJ’s Gas® and BJ’s Optical® — even your Membership renewal!

BJ's Visa Card
apply for a BJ's Visa
BJ's Visa Cardholders Get:

  • 2% back1 on all in-Club purchases to spend at BJ’s Including purchases at BJ’s Gas® and BJ’s Optical®.

  • 2% back1 on all purchases.

  • 1% back1 on purchases everywhere else.

  • Earn additional points on BJ’s specials and promotions.

  • A great intro rate on balance transfers2.

  • NO Annual Fee3

  • Payback: A BJ’s Bucks® check will be issued with your monthly statement in the amount of $30 for each 3,000 points accrued.

Get More from Your Membership

  • Up to 4% back when you stack a BJ’s Visa® Card with a BJ’s Rewards® Membership.

If you’re not already a BJ’s Rewards® Member, upgrade now.

If you don’t have a BJ’s Visa® Card, apply now.

It All Stacks Up

All BJ’s Memberships are subject to BJ's Membership Terms, ask in-Club or go

*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; 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

2The 0% introductory APR on purchases and balance transfers is applicable for the first 6 billing cycles after the account is opened. At the end of the introductory period, the APR for all Purchase and 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 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.