Credit Card

The Possibilities are SPEND-LESS.

  • Save 10¢ off/gal. at BJ's Gas® every day

  • Up to 5% cash back on most in-Club and BJs.com purchases1

  • 2% cash back on dining and non-BJ's gas purchases2

  • 1% cash back everywhere Mastercard® is accepted

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Financial Education Graduation Cap
Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

Learn More
Financial Education Graduation Cap
Take control of your finances

Making smart, well-informed decisions is the key to financial freedom. And Comenity has educational resources to help you get there. Discover tips on credit management, online security, budgeting, and more.

Comenity is the bank behind your credit card, here to help make your experience even better. Comenity works with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. Enhance your shopping experience with tips to optimize your finances.

Learn More

  • Enjoy Next-Generation Protection

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  • Earn Cash Back

    Here's how to earn cash back and awards with the My BJ's Perks Mastercard

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  • Manage Your Account

    Keep track of your credit card account anywhere, anytime.

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1My BJ's Perks® Mastercard® credit card is subject to credit approval.

*My BJ's Perks World for Business accounts are not eligible for this offer. Interest will be charged to your account from the end of the promotional period at the variable purchase APR of 16.74% or 26.74% on the remaining balance if the purchase balance is not paid in full within 6 months. Purchases must be made 11/16/2018 –11/26/2018. Only available for in-Club purchases of $375 or more within the same transaction as a TV, tire, mattress, or furniture purchase. Purchases will automatically be placed on a promotional credit plan. Promotional Financing available with My BJ's Perks Mastercard credit card accounts is offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. Offer only valid in-Club at BJ's with your My BJ's Perks Mastercard. Minimum monthly payments are required for this plan during the promotional period. Offer expires 11/26/18. Standard variable purchase APR of 16.74% or 26.74% based on Prime Rate and creditworthiness. Variable APR for Cash Advances and Balance Transfers of 28.74%, based on Prime Rate. Balance Transfer Fee of the greater of $10 or 3% of the amount of the balance transfer. Cash Advance Fee of the greater of $10 or 5% of the amount of the cash advance. Foreign Transaction Fee of 3% of each transaction in U.S dollars. Minimum Interest Charge will be no less than $2.00 per credit plan.

My BJ's Perks® Mastercard® is issued by Comenity Capital Bank, pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

My BJ's Perks® Mastercard®

BJ's Perks Plus® Cardmember Benefits:

  • Save 10¢ off/gal. at BJ's Gas® every day
  • Earn 3% cash back on most in-Club and BJs.com purchases1
  • Earn 2% cash back on dining out and non-BJ's gas purchases2
  • Earn 1% cash back everywhere else Mastercard® is accepted

BJ's Perks Elite® Cardmember Benefits:

  • Save 10¢ off/gal. at BJ's Gas® every day
  • Earn 5% cash back on most in-Club and BJs.com purchases1
  • Earn 2% cash back on dining out and non-BJ's gas purchases2
  • Earn 1% cash back everywhere else Mastercard® is accepted

Using your valuable awards is simple and convenient at the register in $20 increments.1 

1My BJ's Perks® Program is provided by BJ's Wholesale Club, Inc., and its terms may change from time to time. Some exclusions apply. Click here for Program Terms. Cash back is in the form of electronic awards issued in $20 increments that are used in-Club at the register and expire 6 months from the date issued. Cash back can be requested in the form of a check prior to awards expiring by contacting Member Care at 800-BJs-CLUB.

2Each merchant is assigned a code by a third party that indicates the merchant's area of business. 2% cash back will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Comenity Capital Bank does not have the ability to control assignment of merchant codes.

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