BJ's Wholesale Rewards

Get the details on BJ's Wholesale Club membership options and calculate how much you can earn with Inner Circle Membership and with BJ's credit cards.

BJ's Wholesale Club is an American membership-only warehouse club chain. They have over 200 locations with the majority of them being in states along the East Coast stretching from Maine to Florida. They also have stores in Ohio and Michigan. BJ's is headquartered out of Westborough, MA and currently competes with Costco and Walmart's Sam's Club.

BJ's Credit Card Calculators

Learn about the earning rates, benefits, sign up bonus, and annual fees of BJ'scredit cards. Calculate how many BJ's Rewards Points you can earn based on your spend and compare the results side by side any cards featured on the site.

BJ's Perks Elite Mastercard

BJ's Perks Elite Mastercard Calculator

Earns 5% back on BJ's purchases, 2% back on dining and gas station purchases, and 1% back everywhere else. Benefits include 10 cent off/gal BJ's Gas and a promotional credit plan on eligible purchases.
BJ's Perks Plus Mastercard

BJ's Perks Plus Mastercard Calculator

Earns 3% back on BJ's purchases, 2% back on dining and gas station purchases, and 1% back everywhere else. Benefits include 10 cent off/gal BJ's Gas and a promotional credit plan on eligible purchases.

Earning BJ's Rewards Points

Rewards with BJ's can be earned through BJ's top membership of BJ's Perks Rewards and by using one of BJ's co-branded credit cards. You'll either earn cash back with BJ's as a BJ's Perks Rewards member or you'll earn cash back when you use a BJ's credit card to make purchases in-store and online with BJ's. Since the BJ's credit cards earning rates are based on your BJ's membership, you'll still end up earning more with BJ's Perks Rewards membership. So in the end, this is no different in earnings from Sam's Club Plus membership or Costco Executive membership.

BJ's Personal Membership

There's three types of main membership you can obtain with BJ's: BJ's Perks Rewards, BJ's Inner Circle, and BJ's Online Access.

BJ's Online Access

BJ's Online Access is the lowest membership which will cost you $10 per year for one primary membership. This membership allows you to shop online at You will not have full access to all of BJ's member services with this membership (such as the Optical Department, parts of BJ's travel) and will not have access to shop in-store at BJ's Wholesale Club locations.

BJ's Inner Circle

BJ's Inner Circle program is the middle tier and will cost you $55 per year. It offers a primary member and a second household card-holding member full access to BJ's member services which includes, but is not limited to:

  • Same-Day Delivery
  • BJ's & Manufacturers' Coupons
  • BJ's Gas Prices
  • Full Access
  • BJ's Optical
  • BJ's Tire Center
  • BJ's Travel

BJ's Perks Rewards

BJ's Perks Rewards is the highest membership you can have with BJ's and it costs $110 per year. It offers all of the perks of being a BJ's Inner Circle member along with the ability to earn 2% cash back on eligible purchases made in-store or online with BJ's.

BJs membership costs

Is BJ's Perks Rewards Worth It?

The different in annual price between BJ's Inner Circle and BJ's Perks Rewards is $55 per year. As a BJ's Perks Rewards member, you'll be able to earn 2% cash back on eligible purchases. It will take $2,750 in annual spend (or around $230 per month) to earn $55 in BJ's cash back. So if you spend more than that per year/month, the BJ's Perks Rewards membership will be the better option. Remember that as a BJ's Perks Rewards member you may receive extra coupons, promotions, and benefits over that of a Inner Circle member. You'll want to factor that into your decision as well.

Earning Cash Back w/ Perk Rewards Membership

As a BJ's Perks Rewards member, you'll earn 2% cash back on eligible purchases made with BJ's unless you're a BJ's credit card holder in which you'll earn rewards in accordance with the rewards the credit card offers.

Eligible purchases include purchases made at BJ's Club front-end registers and on Purchases that do not qualify for earning 2% cash back includes (pulled from terms & conditions):

  • Purchases of Exempted Items Restricted by Law or Regulation
  • Sales Taxes
  • Bottle Deposits
  • Alcoholic Beverages
  • Cigarettes or Tobacco-related Products
  • Lottery Tickets
  • Gift Cards
  • Propane
  • Gasoline
  • BJ’s Member Services
    • BJ's Auto Buying Program
    • Cellular Phone Services
    • BJ's Optical Department
    • BJ's Travel
  • Other Purchases No Through, BJ's front-end registers, or at Member Services Desk

These are your typical exclusions for the most part. Do note the part about you not being able to earn on BJ's Member Services.

rakuten BJs cash back
Earn additional cash back on top of your 2% when shopping on with Rakuten Rewards!

BJ's Perks Rewards Earnings Calculator

You can use the BJ's Perks Rewards calculator below to estimate how much you can earn on eligible purchases made in-store and online with BJ's. Enter how much you spend at BJ's per month and let the calculator do the calculating. Remember that you must be a BJ's Perks Rewards member to earn at the 2% rate and that you can only earn $500 in rewards during a 12-month period.

BJ's Perks Rewards Cash Back Calculator

Enter how much you spend with BJ's per month to see how much you can earn annually.
Cash Rewards Earned
2% Back
$0 Annually

Redeeming BJ's Rewards Points

BJ's rewards are redeemed on a "first in, first out" basis, such that your first Award earned will be the first redeemed. You may not exceed $500 in awards during a 12-month period which obtained by spending $25,000 during a year or around $2,084 per month with BJ's.

Cash back is issued in the form of digital awards that are given to you in $20 increments when your BJ's Perks Rewards balance hits $20. These are usually offered 2-3 days after you have hit the $20 threshold. You can also request cash back in the form of a check prior to award expiring by contacting BJ's Member Care (800-BJS-CLUB). If you redeem awards online, do note that rewards that go beyond the cost of the transaction will not be credited back to you. If you use a $20 reward for a $15 purchase, you will have wasted $5. So be sure to use your award properly.

Awards expire six months from date issued so you'll want to make sure you're using them in a timely manner.


How does BJ's reward membership work?

You have two options of membership when you join BJ's: Inner Circle or BJ's Perks Rewards. Both grant full access to BJ's, but the BJ's Perks Rewards membership allows you to earn 2% cash back on most BJ's purchases.

How much is BJ's reward membership?

BJ's Inner Circle membership is $55 per year and BJ's Perks Rewards membership is $110 per year.

When is BJ's Perks Rewards membership worth it?

BJ's Perks Rewards membership is the better option over BJ's Inner Circle membership if you spend more than $230 per month (or $2,750 per year).

Is the BJ's Mastercard worth it?

Yes. The BJ's Mastercard is worth it because it has no annual fee and it earns you an extra 3% cash back on your BJ's purchases. There's no downside to picking up this card if you shop at BJ's frequently.

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU