Start Earning Cash Back Today Using the My BJ's Perks® Mastercard® Credit Card
BJ's Perks Elite®
BJ's Perks Rewards® Membership
Cash Back on BJ's Purchases1
BJ's Perks Plus®
BJ's Inner Circle® Membership
Cash Back on BJ's Purchases1
Plus, Enjoy These Everyday Benefits Using the My BJ's Perks® Mastercard® Credit Card
At BJ's Gas® every day2
2% Cash Back
2% Cash Back
1% Cash Back
Shopping everywhere else2
At checkout in-Club & on BJs.com
No Annual Fee
Enjoy the benefits with no credit card fee3
See How the Savings Add Up
Estimate your yearly cash back earnings by telling us your monthly expenses
Yearly Cash Back Earnings
You can use your cash back in-Club or on BJs.com in $10 increments
Using the BJ's Perks Elite® Mastercard® Credit Card
Earn 5% cash back on
Using the BJ's Perks Plus® Mastercard® Credit Card
Earn 3% cash back on
Frequently Asked Questions
- There are several ways that you can make your payment:
- Pay online by visiting comenity.net/BJs (Consumer) or comenity.net/BJsbusiness (Business Members).
- Mail a payment to Comenity Capital Bank at P.O. Box 650966, Dallas, TX 75265-0966. The mailing address will be on your My BJ’s Perks® Mastercard® and My BJ’s Perks World for Business card billing statement.
Pay via phone by calling 855-269-1622; the My BJ’s Perks® World Mastercard® phone number is: 844-271-2535.
As you purchase eligible items with your My BJ’s Perks® Mastercard® Credit Card, earnings are automatically accumulated in your Membership account and convert to Awards every time your earnings balance reaches $10.
Awards can be used at BJ’s checkout in $10 increments. At this time, Awards cannot be used at BJ’s Gas stations or outside BJ’s Club locations. Cash back can be requested in the form of a check prior to Awards expiring by contacting Member Care at 800-BJS-CLUB.
All authorized buyers on the My BJ’s Perks® Mastercard® account will share a Membership Number with the Primary Member and will be prompted to redeem Awards at the register. Please note that Awards cannot be used on alcohol, cigarette, lottery ticket or gift card purchases, or on Membership fees.
You can use your Awards once your earnings balance reaches $10. You will be prompted at checkout that Awards are available, and you will have the option to use them toward your current purchase over $10, or save them for use at a later time, within 6 months from the date issued.
Yes. They expire 6 months from the date they were earned. Once expired, your Awards cannot be reissued.
BJ’s Perks Plus® and BJ’s Perks Elite® Members must use their My BJ’s Perks® Mastercard® Credit Card in order to earn on their purchases. BJ’s Perks Plus® and BJ’s Perks Elite® Members earn1% cash back everywhere else Mastercard® is accepted.
You can become a BJ’s Perks Elite® Member by paying the Membership upgrade fee of $55.* A new BJ’s Perks Elite® Credit Card will automatically be mailed to you. Once you activate the new BJ’s Perks Elite® Credit Card, your BJ’s Perks Plus® Credit Card will be deactivated.
*Plus state and local taxes where applicable. Fee is prorated based on Primary Member’s Membership expiration date at time of the addition.
Yes. Authorized buyers are allowed to purchase on the Primary Cardholder’s account, sharing a credit card and Membership Number. The Primary Cardholder may add one authorized buyer at the time of applying, and up to four total authorized buyers once the account is open. The Primary Cardholder is responsible for payments on all purchases.
Yes. All purchases made using your My BJ’s Perks® Mastercard® Credit Card at BJ’s and at other establishments by the Primary Cardholder and your authorized buyers will earn toward Awards.
*Offer is exclusive to My BJ’s Perks® Mastercard® Credit Card holders enrolled in the My BJ’s Perks® program. Accounts that opened after 5/1/22 and within their first year of membership at BJ’s will receive the offer electronically in 7 – 10 business days. BJ’s Perks Plus® Mastercard® Credit Card holders will receive $40 in awards and BJ’s Perks Elite® Mastercard® Credit Card holders will receive $80 in awards. Account must be in good standing. Redemption details: Valid one time only. Duplicate offers will not be accepted. Maximum of $40 for BJ’s Perks Plus® and $80 for BJ’s Perks Elite® Credit Card holders. Valid for first time members only. Business members, trial members, online only members, team members and vendor members are not eligible. This rewards program is provided by BJ’s Wholesale Club, Inc. and its terms may change at any time. For full rewards terms and conditions, please see BJs.com/perksterms and BJs.com/terms. Offer is subject to change at any time and without notification.
**Bonus earnings may take up to one month after the promotion period ends to add to your account electronically. Earning will be based on your rewards tier. 2X perks bonus earnings will be applied to eligible purchases during the promotion period. BJ’s Perks Rewards® members earn up to 4% cash back (instead of 2%), BJ’s Perks Plus® Credit Card holders earn up to 6% cash back (instead of 3%) and BJ’s Perks Elite® Credit Card holders earn up to 10% cash back (instead of 5%). Offer is available to all My BJ’s Perks® members. This rewards program is provided by BJ’s Wholesale Club, Inc. and its terms may change at any time. For full rewards terms and conditions, please see BJs.com/perksterms and BJs.com/terms.
1 Earning will be based on your rewards tier. Offer is exclusive to My BJ's Perks® Mastercard® Credit Card holders enrolled in the My BJ's Perks® program. Alcoholic beverages, cigarettes or tobacco-related products, lottery tickets, gift cards, propane, gasoline, BJ’s Member Services (such as BJ’s Auto Buying Program®, cellular phone services, BJ’s Optical Department®, BJ’s Travel®), purchases through delivery.BJs.com or BJs.com/SameDayDelivery, other purchases not recorded through BJs.com or Club front-end registers, Global Sales transactions, or as posted at the Member Services Desk are excluded.
2 Offer is exclusive to My BJ's Perks® Mastercard® Credit Card holders enrolled in the My BJ's Perks® program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes.
3 Click here for important rate, fee and other cost information.
Credit card offers are subject to credit approval.
Cash back is in the form of electronic Awards issued in $10 increments that are used at BJ's checkout and expire six months from the date issued. Must contact BJ's Member Care at 800-BJS-CLUB to request cash back in the form of a check prior to Award expiration.
My BJ's Perks® Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.