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 with a few locations 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 Membership Types
BJ's Membership allows you to make purchases with BJ's Wholesale Club in-store and online. There's several membership options you can choose from which are:
- The Club Card Membership
- The Club+ Card Membership
- Business Membership
- Educational Membership
- Military Membership
- One Day Pass
The Club Card Membership
BJ's Club Card Membership costs $55 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
The Club+ Card Membership
BJ's Club+ Card membership offers all the perks of being a BJ's 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.
This membership will cost you $110 for 12 months.
Business Membership
BJ's offers a Business Membership option for both Club Membership ($55 for 12 months) and Club+ Membership ($110 for 12 months). This membership offers tax exempt and resale privileges as well the option to get 8 Add-on Membership at a discounted rate.
Military Membership
BJ's offers Military membership for veterans and active military personnel and their families. This membership grants over 25% off Membership as well as a $10 welcome bonus.
Educational Membership
Verified teachers, staff and educators can receive a discounted membership and a $10 welcome bonus.
BJ's One Day Pass
If you find something on BJ's that catches your eye, but you're not looking for a full members, BJ's offers a One Day Pass where you can experience what BJ's members have online access to everyday.
This requires you to create an account using your name and email address.
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.
- Earns 5% back on BJ's purchases made in-store, online, and through the BJ's app and 2% back on all other purchases.
- Get 15¢ off every gallon of fuel purchased with BJ's Gas when you use your BJ's One+ Mastercard.
- No annual fee and no foreign transaction fees.
- Earns 3% back on BJ's purchases made in-store, online, and through the BJ's app and 1.5% back on all other purchases.
- Get 10¢ off every gallon of fuel purchased with BJ's Gas when you use your BJ's One Mastercard.
- No annual fee and no foreign transaction fees.
- Earns 5% back on BJ's purchases made in-store, online, and through the BJ's app and 2% back on all other purchases.
- Get 15¢ off every gallon of fuel purchased with BJ's Gas when you use your BJ's One+ Mastercard.
- No annual fee and no foreign transaction fees.
Earning BJ's Cash Rewards
As a BJ's Club+ member, you'll earn 2% cash back on eligible purchases made with BJ's unless you're a BJ Mastercard holder in which you'll earn rewards in accordance with the rewards the Mastercard offers.
Eligible purchases include purchases made at BJ's Club front-end registers and on BJs.com. 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
- Delivery.BJs.com
- Other Purchases not through BJs.com, BJ's front-end registers, or at Member Services Desk
These are your typical exclusions when it comes to most rewards programs. Be sure to note the part about you not being able to earn on BJ's Member Services.
Is BJ's Club+ Membership Worth It?
BJ's Club+ Membership will cost you a total of $110 per year which is $55 more than BJ's Club membership. Regardless of whether you're a BJ's credit card holder or not, you will earn 2% more in rewards with Club+ Membership.
When you run the math, BJ's Club+ Membership is worth it if you spend more than $2,750 per year (or about $230 per month) at BJ's Wholesale Club.
Do note that Club+ members also receive extra coupons, promotions, and benefits when compared to being a normal Club member, so you'll want to factor that into your decision as well.
BJ's Club+ Calculator
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.
| Cash Rewards Earned 2% Back |
$0/year |
| BJ's One+ Mastercard Holders 5% Back |
$0/year |
Redeeming BJ's Cash Rewards
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 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.
FAQ
Is the BJ's Club+ Membership worth it?
BJ's Club+ Membership is worth it if you spend more than $2,750 per year (or about $230 per month) at BJ's Wholesale Club.
What is BJ's Club+ Membership?
BJ's Club+ Membership allows you to earn 2% cash back on eligible purchases made in-store and online with BJ's and 5% back if you own the BJ's One+ Mastercard. The membership costs $110/year.
What is BJ's Club Membership?
BJ's Club Membership grants full access to BJ's member services for $55 per year. It is required to shop in-store at BJ's Wholesale Club locations.
What's the difference between Club Membership and Club+ membership?
Both BJ's Club and BJ's Club+ membership grants full access to BJ's member services. The main difference is that BJ's Club+ membership allows you to earn 2% cash back on purchases made with BJ's.
How much does BJ's Rewards Membership cost?
BJ's Club membership is $55 per year and BJ's Club+ membership is $110 per year.
Is the BJ's credit card worth it?
Since the BJ's One Mastercard and BJ's One+ Mastercard require full membership and have no annual fees, there's no downside to picking them up to earn additional cash back on your purchases with BJ's.
BJ's Rewards calculators
Calculate how much you can earn with BJ's credit cards using our credit card rewards calculators.
Use our BJ's credit card calculators to estimate how much in rewards you can earn and the cash value of the card based on the spend amounts you enter, how much you value benefits, and annual fees.
Our calculators allow you to compare up to two additional credit cards side by side based on same or different spend. Plus, all spend amounts you enter in the Primary card's column rolls over to all credit card rewards calculators on the site!
Maximize your rewards
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- Best for flat-rate business rewards: Capital One Spark Miles for Business.
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