HELP CENTER

What is Citizens Pay?

Citizens PayTM is a flexible, buy-now-pay-later payment option that allows BJ’s Members to apply for a monthly flat rate installment loan on carts over $99.

HOW IT WORKS

1

Shop Online

Build your cart worth a minimum of $99 & checkout.
2

Apply

Select Citizens PayTM & enter your information.
3

Checkout

Choose your payment terms & submit order.
SHOP NOW

FREQUENTLY ASKED QUESTIONS

What are the term lengths?
Members may select terms for 3, 6, 12 or 24 months depending on the purchase amount.
Are there fees?

Variable APR interest, but no late fees, no deferred interest, no gimmicks.

What cannot be used with Citizens Pay?
Most items are available to use with Citizens PayTM , however it can only be used for cart purchases of over $99. This excludes gift cards.
Will this be available in-Club and online?
CitizensTM Pay will only be available online at BJs.com. It is not currently available in-Club or BJ's Mobile App.
How do I use Citizens Pay?
Once it’s available, CitizensTM Pay will be a payment method when you are ready to check out (Application Required).