Comenity My BJ’s Perks Mastercard Credit Card login, Payment, activate

Check the My BJS Perks Credit Card login, payment, new Comenity account activation, and other related guides in this article. How to access the customer service phone number?

How does pre-approval work and how to apply online? How to register an online account? Check all the latest updates including all features, fees, rates, services, etc related to BJ’s Credit Card.

My BJ’s Perks Credit Card

The BJ’s Perks Credit Card is a store credit card offered by BJ’s Wholesale Club, a membership-based warehouse club that operates in the northeastern United States. Comenity Capital Bank and BJ’s came up to build a partnership and offer a credit card to all BJ’s customers. Customers can use this credit card to earn cashback on all purchases.

The BJ’s credit card can only be used to make purchases at BJ’s Wholesale Club stores and on BJ’s website. If you want to make transactions outside BJ’s then a Mastercard is also issued by the Comenity Bank.

The BJ’s Perks Credit Card offers several benefits to cardholders, including:

  • Rewards: Cardholders earn rewards on all purchases made with the card.
  • Promotions: Cardholders may receive special promotions and discounts when using their card to make purchases.
  • No annual fee: The BJ’s Perks Credit Card has no annual fee.
  • Easy application: The card can be applied online or in-store and you can get an answer in minutes
  • Special Financing: Depending on the type of purchase, cardholders may also be able to take advantage of special financing offers with the BJ’s Perks Credit Card.

The card is designed to reward frequent shoppers of BJ’s Wholesale Club and offers good value for those who shop frequently at BJ’s stores. However, it’s important to keep in mind that carrying a balance on this card can be costly due to the high-interest rate and it may not be the best option for those who don’t regularly shop at BJ’s.

All credit card accounts are managed by Comenity Bank and new accounts will be approved by Comenity based on the eligibility criteria set by Comenity.

BJ’s Membership:

BJ also offers different types of membership programs as mentioned below.

  • Promotional Membership
  • BJ’s Online Access Membership – Discontinued.
  • BJ’s Inner Circle (Personal) Membership
  • BJ’s Business Membership
  • Military Membership
  • College Membership – Discontinued.
  • BJ’s Perks Rewards Membership

Note: All enrolled members will receive a membership card. A BJ’s Membership is required to shop at or in BJ’S Clubs

There are two credit cards offered by Comenity according to your membership type.

Credit Card typeMembership typeMembership fee
BJ’s Perks Plus credit cardBJ’s Inner Circle Membership55$/year
BJ’s Perks Elite credit cardBJ’s Perks Rewards Membership110$/year

My BJ’s Perks Program:

My BJ’s Perks program is a reward program for BJ’s Perks Plus and BJ’s Perks Elite credit card holders. All cardholders will earn reward points if they use their credit card to make any purchase.

Rewards will be given as per the below-mentioned criteria.

Reward programCredit Card used for purchaseCashback
BJ’s Perks PlusBJ’s Perks Plus Credit Card3% Cash Back on Eligible Purchases Made at BJ’s,
2% Cash Back on Eligible Purchases made at Dining and Gas Stations (outside of BJ’s Gas locations),
1% Cash Back on Eligible Purchases made everywhere else Mastercard is accepted,
Instant discount of 10¢ off each gallon of fuel at BJ’s Gas.
BJ’s Perks EliteBJ’s Perks Elite Credit Card5% Cash Back on Eligible Purchases Made at BJ’s,
2% Cash Back on Eligible Purchases made at Dining and Gas Stations (outside of BJ’s Gas locations),
1% Cash Back on Eligible Purchases made everywhere else Mastercard is accepted,
Instant discount of 10¢ off each gallon of fuel at BJ’s Gas.

Salient features:

  • Enroll in the My BJ’s Perks program and earn cash back on every purchase.
  • You can use every $10 worth of rewards during checkout or online payment.
  • Please note that the award will have a 6-month validity so please use your reward before 6 months of the issue date.
  • Mastercard benefits such as zero liability for unauthorized transactions.
  • Use your Mastercard anywhere for shopping, dining, bill payment, etc.
  • There is no annual fee.
  • First-time BJ’s Perks Plus Credit Card customers and BJ’s Perks Elite Credit Card customers will receive a $40 and $80 award offer within 7 to 10 business days electronically.

Fee & charges:

Fee typeRate and charges
APR for Purchases15.74% or 25.74%, based on your creditworthiness.
Penalty APRNone
APR for Cash Advances27.74%, variable
APR for Balance Transfer26.99%, fixed
Minimum Interest Charge$2
Annual FeeNone
Authorize user feeWill be informed
Balance transfer feeEither $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance feeEither $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee3% of each transaction in U.S. dollars.
Late Payment penaltyUp to $41
Returned Payment PenaltyUp to $41


  • You will have to pay a membership fee every year to get the maximum benefits.

My BJ’s Credit Card login

If you want to log in and access all available account services then please follow the below process.

Login prerequisites/requirements:

There are some login requirements as mentioned below.

  • Please register first and create a username and password if you don’t have one.
  • Arrange the login URL of your Comenity BJ account.
  • A trusted device and a secure browser must be available to access your account.

BJ’s Mastercard Login process:

Step 1: Visit the official Comenity BJs web portal at You will see the BJS credit card login page where the login form is invisible by default.

Step 2: Click the Sign In button to make the login form visible on the screen. You will see a Comenity login form on the same page.

BJ's Credit Card login page

Step 3: Enter your username and password and access your account. Now you can search and access different services through your dashboard page.

Note: it’s important to keep your login credentials secure and to log out after each session to protect your account information.

How to retrieve your lost username and password?

The username and password recovery facility is available directly through the login form. Please check the below steps.

  • Visit the BJ’s Comenity account login page and click the Sign In link.
  • On the login form, click the Forgot Username/Password link.
  • On the next screen, you will have to verify your account. Enter account information and click the Find My Account button.
  • After the account identification, recover your username and password with the help of the on-screen instructions.

How to register and create an online account?

All BJ’s customers can register an online account through the official Comenity website. After the registration, customers will be able to access all account-exclusive services as mentioned below.

  • Check account balance, summary, transaction details, and previous history.
  • Enroll in the paperless statement and get your billing statement through email.
  • Pay credit card bills and set up an automatic payment service.
  • Manage text and email-based alerts and set up them at your convenience.
  • Edit your profile and contact details.

Registration process:

Step 1: Visit Comenity BJ’s account page.

Step 2: Click the Register Now button. You will be redirected to an account identification page.

Step 3: Enter account details such as account number, ZIP code, and last four digits of your Social Security Number. Click the Find My Account link to verify the account.

Step 4: After the verification, you will be redirected to an online registration form. Fill out this registration form and create a new username and password. This username and password will be used to access your account in the future.

How to activate My BJ’s Perks Mastercard?

Now you can activate your new credit card online. Please check the below steps.

  • Visit BJ’s Comenity account page.
  • Click the Activate card menu item to start the activation process.
  • Customers can also visit the activation page directly at
  • You will see an account activation form on the next page. Enter your Credit Card Account Number, Expiration Date, ZIP code, and last four digits of SSN or SIN.
  • Click the Continue button after entering all details. Your credit card will be activated instantly.

Phone activation:

Customers can also activate their credit cards by calling the customer service number. To activate a BJ’s Perks Credit Card by phone, you will need to follow the below steps:

  1. Please call 1-855-816-2424 or call the number on the sticker on the front of your new credit card or the number provided in the credit card package.
  2. Follow the instructions provided by the automated system. You will be prompted to enter your card number and the expiration date.
  3. Provide your personal information, including your full name, address, and social security number.
  4. Create a unique PIN for your card. This will be used for credit card transactions that require a PIN, such as at an ATM or for cash advances.
  5. Verify your information and confirm that you agree to the terms and conditions of the credit card.
  6. Start using your card once the activation process is complete.

It’s important to remember that you’ll need to activate your BJ’s Perks Credit Card before you can use it to make purchases. Activating your card also helps to protect you from fraud and unauthorized use. Please also make sure you have signed the back of your card before activating it.

BJ’s Credit Card online application?

All customers can visit BJ’s website to submit their online applications. Please review all terms & conditions before applying for the credit card. Click the BJ’s Credit Card Agreement link to open the agreement file.

You may apply for a new credit card only if you have registered on the official website and you must be a member of BJ’s. Please check the online application process below.

  • Visit BJ’s online application page at
  • Click the Apply Now link, An online form will appear on the next screen where you will have to validate your BJ’s membership.
  • Enter your Membership number, First name, and Last name, and click the Continue button.
  • After the validation, you will be redirected to an online application page.
  • Fill out this application form and submit it for approval by Comenity.

Comenity Capital Bank will verify your credit card application and after the approval, you will receive your brand new BJ’s Mastercard.

BJ’s credit card pre-approval: Pre-qualify check facility is not available on the official website. You will have to submit a full application.

How can I make BJ’S Credit Card Payment?

Comenity Capital Bank provides multiple payment options to customers. Customers can choose any payment method to pay their BJ’s Mastercard bill. Please more details below.

i-Online payment:

Please follow the below steps.

  • Please visit the official BJ’s Comenity account web page and log in by using your username and password.
  • After login in, you will find a user dashboard page where you can access different online account services.
  • Go to the Payment section from your dashboard.
  • In the payment options, enter the payment amount, payment account, payment date, etc, and make your payment.
  • You will have to add a checking account as a payment account.
  • You can also schedule your payment up to 30 days in advance.

ii-Mail a payment:

Cardholders can also send Mail for the payment of their credit card bill. The mail address is written below.

Comenity Capital Bank,
P.O. Box 650966,
Dallas, TX 75265-0966

The mail address is also written on the monthly billing statement so please verify the address and read other instructions regarding Mail.

iii-Phone payment:

Some customers prefer phone calling instead of using online options. Comenity Capital Bank has a phone payment facility and customers can pay their credit card bills by calling the customer service phone number at 1-855-269-1622.

Customers can use the automated dialer machine to pay bills. A checking account number and routing number will be required for the phone payment so keep ready with this information.


Customers can use the EasyPay facility by Comenity Capital Bank. By using the EasyPay facility customers can pay their credit card bills online.

Customers may visit Comenity BJ’s EasyPay web page where they will find an online form (as shown below).

Comenity BJ's EasyPay form

Now you have to provide credit card information such as account number, ZIP code, and last four digits of your SSN. After that click the Find My Account button.

After the identification of your account, you will get details about your account and payment modes. If you are sure that you are paying for the exact account then you can use any available payment mode and pay your card bill.

v-Set-up Autopay:

Automatic payment settings are available under the payment section when you log in to your online account.

You may set up the automatic payment and the required monthly statement due amount will be debited from your checking account every month on the due date.

There is no need to keep track of your due date after the automatic payment is set up.

Note: Please try to submit your payment to Comenity Capital Bank before 5 pm on the due date to avoid any late fee penalty. After 5 pm, payment will be posted on the next business day.

My BJ’s Perks® Mastercard® Credit Card – Home

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Member Sign in – BJ’s Wholesale Club

Already a BJ’s member? Sign into your account. Enter your email address and password to place an order or clip coupons. Need a Membership? Join the Club.

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Customer Service

Get help through the below-mentioned Phone Numbers and Mail addresses in case you are facing any issues or you want to inquire about something related to your credit card.

BJ’s Perks Mastercard1-855-269-1622
BJ’s Perks World Mastercard1-844-271-2535

Mail Inquiries:

Comenity Capital Bank,
PO Box 183003,
Columbus, OH 43218-3003

Please include your card account information while writing.

We are sharing direct links related to different services offered by BJ’s through the Comenity Capital Bank account. Please have a look.

Official website –

Apply Online page –

Comenity BJs card page –

New account registration page –

BJs Credit Card Sign-in page –

BJs Credit card activation page –

Send a secure message –

Transaction details –

Statement details –

Set up or manage – Alerts

BJs credit card payment –

BJs credit card pay by Mail page-

BJs Comenity EasyPay –

BJs credit card agreement (CCA) –


Name of Credit CardBJ’s Mastercard
Issued byComenity Capital Bank
Serviced byComenity Capital Bank
Credit card network providerMastercard
BeneficiaryAll BJ’s customers
Who can applyBJ’s customers having a valid membership


BJ’s credit card provides a lot of facilities and cashback offers to its customers. Although there is a membership fee, there are great rewards and cashback also that save a lot of money for customers. If someone shops a lot at BJ’s then this credit card is a good option to save money on every purchase.

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