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BJ’s Credit Card Login – Application at Comenity Bank

The first question I asked when I got this credit card was, How can I complete my BJ’s Credit Card Login? This question was so key to me then. That I know might also be the reason why you are here. This article will address that and other key points you need to know about BJ’s Credit Card.

With My BJ’s Perks MasterCard Credit Card offered by Comenity Bank you stand to enjoy many benefits for your spending. My BJ’s Perks credit Card is a reward & cashback focused credit card for all BJ’s Customers and shoppers both in-store and online. The Rewards offered when you apply and become a credit card holder that auto-add you to the BJ’s Memberships list are redeemable online & in-store vouchers on every purchase.BJ's Credit Card Login

My BJ’s Perks Credit Card Review

My BJ’s Perks Credit Card is the best rewarding card and cashback credit card, in that, cardholders earn up to 5% CASHBACK on every spending or purchase at BJ’s shop using My BJ’s Perks MasterCard Credit Card, you enjoy a $0 annual fee, earn 2% cash back on dining and non-BJ’s gas purchases and Earn 1% cashback everywhere else MasterCard is accepted. Is BJ’s perks card all full of Pros? No! There still exist BJ’s Perks MasterCard Credit Card cons. The cons are clear, in that, all current rewards earned are redeemed only on next or future purchases.

Apply For My BJ’s Credit Card

The BJ’s perks card is designed to favor shoppers who frequent BJ’s shops online and in-store. Which simply gives shoppers good savings for their spending. Though they still exist other store credit card that offers good savings on daily spending like Chase Freedom. So we did encourage you to consider applying for BJ’s Perks MasterCard credit Card. As it will gain you discounts on every dollar spent on BJ’s shop, rewards on gas, and dining.

Recommended Cash Back and Rewards Cards

  • Costco Anywhere Visa Issued By Citi
  • Chase Freedom

My BJ’s Credit Card Cons

  • The limitation of rewards redemption as store vouchers in $20 increment.
  • Only highly rewarding to BJs shoppers
  • Accrued rewards are liable to expiration if not used.
  • Accumulated rewards are applied only on future purchases
  • There is no welcome or sign up bonus
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Key Take Away:they exist other store credit card that offers better sign-up bonus and rewards and has no expired rewards offer but BJ’s Store credit card is a good reward spending card for all in-store shoppers of BJ.

Other Cards Offered By BJ

BJ offers other different cards you can check to see which favors your desired rewards programs and spending benefits such as;

  1. BJ’s Perks Elite MasterCard Credit Card – the Perks Elite card gives you a first non-purchased bonus of $50
  2. BJ’s Perks Plus MasterCard Credit Card – the BJ’s Perks Plus card gives you $25 earnings after the first non-BJ’s purchase.

The highest-ranking cash back credit cards you can get out there give an offer of up to $100 and above. Technically, you can say that BJ’s credit card fell short of such a cashback offer, but they make up with their membership discount fees.

My BJ’s Perks Credit Card Benefits & Features – BJ’s Perks Plus Credit Card – BJ’s Perks Elite Credit Card

My BJ’s credit cards; Perks and Perks Plus is cashback rewards-earning focused. The BJ’s Perks Plus or Elite, you will earn either 3% or 5% back on most in-Club and purchases. More so, you earn $0.10 off every gallon of gas purchased at the wholesale club. Though the current price of gas, can up the rewards rate to 4.2%. You also earn 2% on gas purchases outside of BJ’s and restaurants. And 1% on other non-gas purchases.

Don’t forget that earning with BJ’s Perks cards will be based on your rewards tier. Offer is exclusive to My BJ’s Perks MasterCard Credit Cardholders enrolled in the My BJ’s Perks program. Cashback is in the form of electronic awards issued in $10 increments that are used at checkout at BJ’s and expire six months from the date issued. To redeem cashback, cardholders will need to contact BJ’s Member Care at 800-BJS-CLUB to request cashback in the form of a check before Award expiration.

Redeeming Rewards

Awards will become available within 2-3 business days after your Program Earnings balance reaches $10. Awards may be used by authorized Account cardholders, including Household Cardholders if you have elected to share such Awards, for merchandise at checkout, on the BJ’s mobile app, and, and Membership fees at the Membership Desk and at checkout. You can see your reward with a simple BJ’s Credit Card Login.

Features, Benefits, Rates and Fees Highlight

  • 99% or 24.99% Annual Percentage Rate (APR) for Purchases based upon your creditworthiness – the APR will vary with the market based on the Prime Rate
  • APR for Balance Transfers 99%
  • 99% APR for Cash Advances – APR will vary with the market based on the Prime Rate.
  • $2 Minimum Interest Charge
  • No Annual Fee
  • Balance Transfer – Balance Transfer Transaction fees are either $10 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance – Cash Advance Transaction fees are either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction -Foreign transaction fees are 3% of each transaction in U.S. dollars.
  • Late Payment – Penalty Fees for Late Payment are Up to $40
  • Returned Payment -Penalty Fees for Returned Payment are Up to $40
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My BJ’s Perks Mastercard Credit Card and BJ’s Easy Renewal

Upon opening a My BJ’s Perks Mastercard Credit Card, your BJ’s Membership is automatically enrolled in BJ’s Easy Renewal. Your Membership will be renewed automatically and your BJ’s Membership fee will be charged to your account each year on the 1st day of the month in which the Membership is set to expire, as long as your Account is in Good Standing unless you opt-out of this feature.

The Membership will be renewed as of its expiration date. You will be sent a reminder before this renewal charge, specifying the amount and the date of the charge on the billing statement in the month before the month of the charge. You may change your Easy Renewal preferences by calling 844-268-8093 or online at, however, due to system limitations you may not use an alternate credit/debit card to which the Renewal fee is charged BJ’s Perks Plus vs Perks Elite Credit Cards

BJ’s Perks Plus vs Perks Elite Credit Cards

The BJ’s Elite card is only available to apply only to those who spend nothing less than $1,750 yearly at BJ’s store. The Elite offers easy renewal discounts with a cost difference of $35. Both cards have no annual fee, Elite membership fees are $100 while the perks plus is $50. Easy renewal discount for perks plus members is $10 but $25 for Elite members. Both cards are MasterCard and are accepted worldwide.

The major difference is that Perks Plus earns 3% back on most in-Club and purchases while Elite earns 5% back on most in-Club and purchases.

BJ’s Credit Card vs Chase Freedom

Store credit cards offered by Chase Freedom is amazing for high cashback rewards of varying categories with no annual fee. The Chase Freedom card earns you 5% cash back on up to $1,500 when you do purchases any bonus categories but up quarterly activation. Earn 5% on categories every 3 months. Unlimited 1% cashback on all other purchases.

Eligible Chase Freedom Cash Back Reward Categories

  • Gas stations
  • Restaurants
  • Select grocery stores
  • Wholesale clubs including BJ’s.

BJ’s Credit Card vs Citi Double Cash Card

Citi Double Cash Card offers cardholders 18 months BT. Though basically for customers who desire better rewards at all merchants’ purchase points. With the Citi Double Cash credit card, you earn 2% on every purchase with unlimited 1% cashback when you buy, also, plus an additional 1% as you pay for those purchases. Club shopping is fair and better off with BJ’s perks elite and plus compared to Citi Double Cash card. But Citi Double card plays best on non-BJ’s Gas and restaurant purchases.

The Citi Double Cash Card – 18 months BT offer gives high rate rewards everywhere you shop. So, we recommend Citi Double Cash card – 18 month BT offer if gas, dining, and BJ’s represent only a small fraction of our total expenses.

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Applying for My BJ’s Perks MasterCard Credit Card

To qualify for the JB’s Perks card Application Online, you will need an authorized bank account access. More so, you will be required to provide employment information, income, annual net worth, rent and mortgage, and other personal and contact information such as name, address, phone number, email address, and a lot more. When you are set follow the below process to apply. But before you apply, you need to enroll in BJ’s club Membership to be assigned a membership number with which you will apply.

  1. Visit
  2. Enter the membership number
  3. Your first and last name
  4. Click Continue and follow the rest of the application.

How to Activate My BJ’s Perks Credit Card Online

The online activation process is without account sign up or online registration for access you can visit How to Activate My BJ’s Perks Credit Card and enter your card details to activate the card.

  1. Visit How to Activate My BJ’s Perks Credit Card
  2. Enter your card details usually; Card number, date of birth, SSN, and card security code.
  3. Hit activate

My BJ’s Perks Mastercard Credit Card Account – Register for Online Access to Your My BJ’s Perks Mastercard Credit Card Account

Pay your bill, review statements, update personal information, and much more from your computer, tablet, or smartphone when you register now.

On the online register for access page, you will need to supply your card details. After signing up, you will be able to manage your account online; you will be able to use your card for online shopping, checking out as well as paying bills, checking your balance, making a balance transfer, monitoring your card activities and transactions, setting up email alerts and lots more.

  1. Go to the official card page
  2. Navigate and click register for online access
  3. Enter card number
  4. Key in card security code
  5. Input your social security number
  6. Supply date of birth
  7. Click on the Fetch my account
  8. Click on the register

BJ’s Credit Card Login – My BJ’s Perks MasterCard Sign in – BJ’s Credit Card Account Login

The sign-in process is extremely easy and simple.  Therefore, you can carry out your BJ’s Credit Card Login with a web browser, also, through a mobile phone as well as with a PC. We are going to start with how you can log in with a browser. With your username and password visit the official site with your web browser, tap on the login button and provide your;

  1. Username
  2. Password
  3. Click on the sign-in button

If you forgot your password, you can click on the forgot password button to reset your account password.

BJ’s Credit Card Customer Care Service

My BJ’s Perks MasterCard and My BJ’s Perks® World MasterCard: 1-855-269-1622 & TDD/TTY: 1-888-819-1918

Contact Info – Mail

Comenity Capital Bank,

PO Box 183003, Columbus,

OH 43218-3003


  • Christian Ehiedu

    I write for Educational, Financial, technology, and social media content producers. I am deep into doing credible research that will benefit you the reader. You can contact me on Tumblr, Chris Adam Facebook, Shopfortool Pinterest Account. I am a Technician and a woodworker. I have lots of years of experience in Technical work. I did some per time work at an electrical store. Having gathered lots of experience in the use of various tools link Mechanic Tools, Woodworking Tools, Power Tools, and Plumbing tools, I decided to put up this blog to help advise intending buyers or new biz on the right tools to buy on the market. My social Handle:

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