BJ’s Visa^® Card and BJ’s Visa^® Business Card are the only credit cards that give you points toward BJ’s Bucks^®* every time you shop:

• Earn 2 points* for every $1 charged when you use your BJ’s Visa Card in–Club or on BJs.com
• Earn 1 point for every $1 charged everywhere else Visa cards are accepted

Earn 2,000 points and you’ll automatically receive $20 in BJ’s Bucks in your next monthly statement that are good toward purchases at any Club location.

Choose the BJ’s Visa Card that’s right for you today and receive 1,000 bonus points with your very first purchase.

Just Match the Card Benefits Below to Your Needs

BJ’s Visa Card and BJ’s Visa® PhotoCard Your BJ’s Membership Number imprinted on Card** — use it as your BJ’s Membership Card! No annual fee 0% Introductory APR on transferred balances† BJ’s Visa PhotoCard Only Personalize your Card with any photo you choose

BJ’s Visa Business Card Free additional employee Cards – earn points faster No annual fee 0% on purchases and transferred balances†

*Points 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. 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 $20 for each 2,000 points accrued. Limit one BJ’s Bucks check per statement and the BJ’s Bucks check will be issued in increments of $20. Unused points will carry over to your next statement. Points are not transferable and will expire after 36 months. BJ’s Bucks checks sent with your monthly statement will expire after 6 months if not redeemed. If you are not a BJ’s Member, you may be subject to a BJ’s non-member surcharge to shop at BJ’s Clubs. BJ’s Bucks checks can only be redeemed for purchases as permitted by law, for BJ’s merchandise only through the front-end registers at BJ’s Club locations. BJ’s Bucks checks must be surrendered at redemption and no photocopies will be honored. BJ’s Bucks checks may not be redeemed for cash. BJ’s Bucks checks are not transferable. Use of any BJ’s Bucks checks is subject to any additional restrictions listed on the check.
**To use your BJ’s Visa^® Card as your BJ’s Membership Card for in–Club shopping, you must supply your Membership Number on your BJ’s Visa Card application form. BJ’s Visa Cards not imprinted with a Membership Number cannot be used as BJ’s Membership Cards.
†The 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Convenience Checks is applicable for the first 6 billing cycles after the account is opened and requires that timely payments are received. Please see the Terms and Conditions for BJ’s Visa^® Card for additional information including the allocation of payments, the APR for Purchases, the APR for all new and outstanding Balance Transfers and Convenience Checks after the introductory period, the APR for Cash Advances, and the Default APR that will apply to all new and outstanding balances (including any introductory rate balances) if your payment is received late, you exceed your credit line, or your payment is not honored by your bank. There is a fee for Balance Transfers and Convenience Checks (see Terms and Conditions for more information).

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