Already have the My BJ's Perks Credit Card? Manage your account

Existing card holders, earn cash back using your My BJ’s Perks Mastercard Credit Card

BJ's Perks Elite mastercard credit card

BJ's Perks Elite®
Mastercard ® Credit Card

BJ's Perks Rewards® Membership


Cash Back on BJ's Purchases1

BJ's Perks Plus mastercard credit card

BJ's Perks Plus®
Mastercard® Credit Card

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

BJ's gas icon

10¢ Off/Gal.

At BJ's Gas® every day2

gas icon

2% Cash Back

Non-BJ's stations2

Dining out icon

2% Cash Back

Dining Out2

Shopping icon

1% Cash Back

Shopping everywhere else2

BJ's awards icon

Redeem Awards

At checkout in-Club & on

no Annual fee icon

No Annual Fee

Enjoy the benefits with no credit card fee3

Frequently Asked Questions

  • There are several ways that you can make your payment:
  • Pay online by visiting (Consumer) or (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.


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 or, other purchases not recorded through 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.

For All Gas Offers: Membership and payment card must be scanned/swiped at pump for fuel discount to be applied. Maximum of 30 gallons or $99 of fuel, whichever comes first. All fuel purchases are subject to a minimum price of 2¢/gal., regardless of available discounts, and all unused discounts are forfeited. For example, if fuel is $2.00/gal. and your available discounts total $2.10/gal., your discounts will be capped at $1.98/gal., and you will forfeit the remaining $0.12 in discounts. Discounts can be used on regular, premium, and diesel (where available) fuel at BJ’s Gas. Approved fuel containers only. BJ’s Gas locations may occasionally close for site maintenance, during which time the promotional discounts will not be available. If BJ’s suspects fuel saver program abuse, BJ’s reserves the right to suspend or terminate your participation in the program and to terminate your membership without refund.

Credit card offers are subject to credit approval. Applications will not be accepted after 11/29/22

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.

Get ready for fresh rewards coming early 2023