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 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:
- BJ's Online Access
- BJ's Inner Circle
- BJ's Perks Rewards
- BJ's Business Membership
- BJ's Military Membership
- One Day Pass
BJ's Online Access Membership
BJ's Online Access Membership allows you to shop online at BJs.com for the cost of $10 per year for one primary membership.
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 Membership
BJ's Inner Circle Membership costs $55 per year and gives full access to BJ's member services for the primary member and a second household card-holding member. Services include, but is not limited to:
- Same-Day Delivery
- BJ's & Manufacturers' Coupons
- BJ's Gas Prices
- Full BJs.com Access
- BJ's Optical
- BJ's Tire Center
- BJ's Travel
BJ's Perks Rewards Membership
BJ's Perks Rewards offers all 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. This membership will cost you $110 per year.
BJ's Business Membership
BJ's offers both a Business Membership option for both Inner Circle ($55/year) and Perks Rewards ($110/year). This membership offers tax exempt and resale privileges as well the option to get 8 Add-on Membership at a discounted rate.
BJ's 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 off BJ's coupon to use on your first shopping.
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 two credit cards that can earn you additional rewards with BJ's on your everyday spending. If you frequently shop at BJ's, these will be the best options when it comes to maximizing your return in the BJ's Rewards program.
The BJ's Perks Plus® Mastercard® Credit Card is available to BJ's Inner Circle members and offers 3% cash back on BJ's purchases while the BJ's Perks Elite® Mastercard® Credit Card is available to BJ's Perks Rewards members and offers 5% cash back on BJ's purchases.
Outside of being a BJ's Inner Circle or BJ's Perks Rewards 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.
Earning BJ's Perks Rewards
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 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
- BJ’s Member Services
- BJ's Auto Buying Program
- Cellular Phone Services
- BJ's Optical Department
- BJ's Travel
- 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 Perks Rewards Membership Worth It?
BJ's Perks Rewards Membership will cost you a total of $110 per year which is $55 more than BJ's Inner Circle membership. Regardless of whether you're a BJ's credit card holder or not, you will earn 2% more in cash back as a Perks Rewards Membership.
When you run the math, BJ's Perks Rewards 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 BJ's Perks Rewards members also receive extra coupons, promotions, and benefits when compared to being an Inner Circle member, so you'll want to factor that into your decision as well.
BJ's Perks Rewards Calculator
Use the BJ's Perks Rewards 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 Perks Elite® Mastercard® Credit Card.
Remember that you can only earn $500 in rewards during a 12-month period as a BJ's Perks Rewards member.
|Cash Rewards Earned||$0/year|
|BJ's Perks Elite Mastercard Holders||$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 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.
Is BJ's Perks Rewards Membership worth it?
BJ's Perks Rewards 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 Perks Rewards Membership?
BJ's Perks Rewards 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 Perks credit card. The membership costs $110/year.
What is BJ's Inner Circle Membership?
BJ's Inner Circle 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 Perks Rewards Membership and Inner Circle membership?
Both BJ's Inner Circle and BJ's Perks Rewards membership grants full access to BJ's member services. The main difference is that BJ's Perks Rewards allows you to earn 2% cash back on purchases made with BJ's.
How much does BJ's Rewards Membership cost?
BJ's Inner Circle membership is $55 per year and BJ's Perks Rewards membership is $110 per year.
Is the BJ's credit card worth it?
Since the BJ's Perks Elite Mastercard and BJ's Perks Plus 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.