BJ’S Wholesale Club Holding Inc. is a warehouse club operator based in the United States. The company is a membership-only chain homed in Marlborough, Massachusetts. The operations are concentrated on the US East Coast, including Ohio and Michigan.
The company was founded in 1984 and has expanded very quickly over time. With your BJ’s membership, you can save on Electronics, Home, Furniture, Sporting Goods, clothing, health, grocery, beauty, and outdoor purchases.
The company has expanded its business in 18 states of the US and is leading the warehouse club industry. There are 235 clubs, 164 gas stations, and over 6.5 million BJ’s Wholesale members. The membership also allows the members to apply for a credit card that brings additional rewards for them.
In today’s article, we will talk about BJ’s Wholesale credit cards. We will discuss everything from qualification to application, registration, and payment in detail. So let’s get into it.
What Are My BJ’s Perks And My BJ’s Credit Card?
MY BJ’s is the membership of BJ’s Wholesale Club, Inc. If you have reached the age of maturity and you are a US resident, you can enroll for My BJ’s membership by showing your government-issued ID proof.
My BJ’s Perk Program is the company’s reward program that allows members to earn rewards and cashback on their purchases at BJ’s. However, you will need a My BJ credit card to enjoy the rewards.
BJ’s Wholesale Club Inc. has joined hands with Comenity Bank to offer members credit cards. Comenity Bank is a well-known company that collaborates with different companies and retail chains to provide credit cards to customers.
BJ’s Wholesale Credit Card is what you get as a club member. It is a members-only credit card, and each member can apply for one card. You can choose from different types of credit cards: Perks Plus Mastercard and Perks Elite Mastercard.

We will discuss the features of each credit card so you can choose which one to go for.
Benefits And Features Of BJ’S Credit Card
Here are the features of each of BJ’s credit cards:
My BJ’s Perks Plus Mastercard
If you choose BJ’s Perks Plus Mastercard, you get access to the following rewards and benefits:
- You get 3% cashback on most in-club and BJs.com purchases.
- If you are dining out or making non-BJ gas purchases with your credit card, you get 2% cashback.
- Using your credit card as Mastercard anywhere else entitles you to 1% cashback.
- You can use your credit card as your membership as well.
- You get 10 cents off per gallon at BJ’s gas.
- Once you reach earnings of $10, you can redeem them for your next purchases.
- You can also get cash advances within a few days if your Mastercard is lost.
- BJ’s Perks Plus Mastercard has no annual fee or maintenance fee.
- Variable APR is applied on purchases and cash advances. If you pay a bill on time, you can avoid paying interest.
My BJ’s Perks Elite Mastercard
If you choose BJ’s Perks Elite Mastercard, you get access to the following rewards and benefits:
- You get 5% cashback on most in-club and BJs.com purchases.
- If you are dining out or making non-BJ gas purchases with your credit card, you get 2% cashback.
- Using your credit card as Mastercard anywhere else entitles you to 1% cashback.
- You can use your credit card as your membership as well.
- Once you reach earnings of $10, you can redeem them for your next purchases.
- You get 10 cents off per gallon at BJ’s gas.
- BJ’s Perks Elite Mastercard has no annual fee or maintenance fee.
- Variable APR is applied on purchases and cash advances. If you pay a bill on time, you can avoid paying interest.
- A cash advance fee of $10 or 5% of the amount, whichever is greater, is charged.
- A balance transfer fee of $10 or 5% of the amount, whichever is greater, is charged.
- 3% of each foreign purchase transaction in US dollars is charged.
Qualification Criteria For BJ’S Wholesale Card
If you want to apply for BJ’s Wholesale credit cards, you will need to fulfill the basic requirements that are as follows:
- Since it is a members-only credit card, you can apply for the credit card only when you are a member of BJ’s wholesale club.
- We already discussed that people at the age of majority could apply for a credit card. The same applies to BJ’s credit card.
- You can apply for BJ’s credit card only if you are a US resident or permanent citizen. It means that you must be living in any of the US states or territories.
- You must have a valid US IP address to apply for the credit card.
- Having a good or excellent credit score is necessary to increase your chances of approval.
- You must have low debt and more income than expenses to apply for BJ’s wholesale credit card.
How To Apply For Your Credit Card?
If you fulfill the basic requirements to apply for a credit card, here is how to apply for your BJ’s Perks credit card:
- Visit the official webpage of BJ’s Perks credit cards here.
- Since it’s a members-only card, you will need to sign in with your membership account or create one. Click on Member Sign In. Enter your BJ’s account details. If you don’t have your account, click on Create Online Account.
- Enter your membership number, first name, and last name. Click on Continue.
- Once logged in, apply for your card. Provide the necessary information like your date of birth, contact information, income, etc.
- Review the application and BJ’s Terms and Conditions. Once satisfied, click on Submit Application.
Wait until you receive the decision from the company in a few seconds. If immediate approval is not granted, you will have to wait another 7-10 working days to know if your card application has been approved.
You can also apply for BJ’s Perks credit cards by visiting any BJ store location. Submit your application by hand and get the credit card to enjoy exclusive perks and benefits.
How to Activate Your Card?
Once you have received your card, it’s time to activate it. You can either make a call to activate your card or use the online method of card activation.
Via Phone
For phone call activation, make a call on the following number: 1-855-816-2424
Provide the asked information and verify your identity to activate your card. Once activated, you can use your card at BJ’s or any other location to enjoy exclusive perks and benefits.
Online
For online activation, follow these simple steps:
- Visit the official BJ’s Credit Card website on the Comenity website here.
- Click on Activate Card, which will open up the card activation page in front of you.
- Enter the required information in the empty fields. It includes your credit card number, expiry date, SSN, last four digits of SSN, and Zip code.
- Click on Continue.
- Complete the card activation process according to the on-screen prompts.
How to Register for Online Access and Login to BJ Wholesale?
After card activation, you can make payments with your card, but you cannot manage the bills, account, and related information. You will need to have an online account to manage your credit card.

Here are the simple steps you need to follow to register for online access:
- Visit the official BJ’s Credit Card website on the Comenity website here
- Click on Register to start the online access sign-up.
- Enter the information required in the empty fields of the form. It includes your credit card account number, ZIP code, last four digits of your SSN, etc.
- Once filled, click on Find My Account.
- Provide your personal information like email address and phone number, and create your new username & password.
- Once completed, you can use the credentials to log in and manage your credit card account.
Paying BJ’S Wholesale Credit Card Bill
You can pay your BJ’s Wholesale credit card bill by any of the following methods:
Online
- Log in to your BJ’s Wholesale account using the same credentials you created during the registration process.
- Go to the Payments section from the dashboard and click on Make A Payment.
- Enter your bank details when making a first-time payment. You will need your bank account number, routing number, etc.
- Enter your credit card details, set the payment schedule, and confirm. It will process your payment accordingly.
Phone
Call on the following number to make your credit card payments via phone call:
855-269-1622
Follow the on-call prompts and provide the required information about your bank account, bank routing number, etc., to complete the payment.
You can also mail your credit card bills as checks or money orders to the company’s mailing address. Here is the mailing address of BJ’s Wholesale:
Comenity Capital Bank
PO Box 650966,
Dallas, TX 75265-0966.
Customer Service Of BJ’S Wholesale
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 855-269-1622
Alternatively, you can send your credit card-related queries to the mailing address of the BJ’s Wholesale Credit cards as follows:
Comenity Capital Bank
PO Box 650966,
Dallas, TX 75265-0966.