BJs Membership Value Calculator: Is It Worth It?

What is Club Card Membership?

BJ's Club Card Membership costs $60 for 12 months and gives full access to BJ's member services for the primary member and a complimentary membership for a member of your household. You can add on up to 3 additional members for $30 each.

As a member, services include, but are not limited to:

• Full BJs.com Access
• BJ's Optical
• BJ's Tire Center
• BJ's Travel

BJ's Club+ Card membership offers all the perks of being a basic Club member along with the following additional benefits:

• Earn 2% back in rewards on most purchases.
• Enjoy 5¢ off/gallon at BJ’s Gas.
• Earn double or triple back in rewards during special events.
• Access to exclusive events throughout the year.

You can also obtain business versions of these memberships which offers tax exempt and resale privileges as well the option to get 8 Add-on Membership at a discounted rate.

How much is BJ's Club membership?

BJ's Club+ Membership costs $120 per year, $60 more than the standard Club Membership. With Club+, you’ll earn 2% more in rewards on most purchases, regardless of whether you have a BJ's credit card.

The upgrade is worth it if you spend over $2,750 annually (or about $230 per month) at BJ's Wholesale Club.

Additionally, Club+ members enjoy extra perks like greater discounts at BJ's Gas, exclusive coupons, promotions, and other enhanced benefits, which can add significant value beyond rewards.

Redeeming BJ's cash rewards

BJ's rewards are redeemed on a "first in, first out" basis, meaning the oldest rewards are used first. Members can earn up to $500 in rewards within a 12-month period, which equates to spending $25,000 annually or about $2,084 per month at BJ's.

Rewards are issued as digital awards in $20 increments, typically 2-3 days after your balance reaches the $20 threshold.

You can also request your rewards as a check before they expire by contacting BJ's Member Care at 800-BJS-CLUB. However, keep in mind that rewards cannot be partially redeemed online—if you use a $20 reward for a $15 purchase, the remaining $5 will be forfeited. Plan your redemptions wisely.

Lastly, rewards expire six months after issuance, so be sure to use them promptly to avoid losing out.

Calculator: Is membership worth it?

Use the BJ's Club+ Calculator to estimate how much cash back you can earn on eligible purchases made in-store and online with BJ's Wholesale Club. The calculator will also output how much you can earn if you own the BJ's One+ Mastercard.

Remember that you can only earn $500 in rewards during a 12-month period as a BJ's Club+ member.

BJ's credit cards

BJ's offers three Capital One credit cards that can earn you additional rewards with BJ's on your everyday spending. Outside of being a Club or Club+ member, there is no additional cost associated with having either card, so I highly recommend picking up a BJ's credit card if you have a BJ's membership as it can only benefit you.

BJ's One+™ Mastercard®

Best For Frequent BJ's Shoppers

BJ's One™ Mastercard®

BJ's Business Elite™ Mastercard®