BJ's Rewards Calculators: Is Membership Worth It?

Store Rewards Calculator
Review the benefits of BJ's Perk Rewards and calculate if BJ's membership and credit cards are worth it based on how much you spend at BJ's Wholesale.
Last Updated 2022-05-17 By R.Flowers III

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:

  • BJ's Online Access
  • BJ's Inner Circle
  • BJ's Perks Rewards
  • BJ's Business Membership
  • BJ's Military Membership
  • One Day Pass
BJs membership costs

BJ's Online Access Membership

BJ's Online Access Membership allows you to shop online at 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 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.

Earn additional cash back shopping at when using an online shopping portal such as Rakuten Rewards.

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 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 not through, 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.

Enter how much you spend with BJ's per month to see how much you can earn annually.
Cash Rewards Earned
2% Back
BJ's Perks Elite Mastercard Holders
5% Back
TIP: Sign up for a BJs Membership using Rakuten Rewards to earn $30 plus additional cash back when you sign up!

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.