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

Apply NowCard Benefits
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

    Chip technology protects you and your personal information.

    Find Out How

  • Earn Cash Back

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

    See Cardmember Benefits

  • Manage Your Account

    Keep track of your credit card account anywhere, anytime.

    Not Registered? Register Now

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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