BJ's Rewards 2026

If you’re a savvy shopper, you already know that BJ’s Wholesale Club is one of the best places to save on groceries, household items, gas, and more. But did you know that BJ’s Rewards Program® can help you save even more by putting money back in your pocket?

From cashback rewards and fuel savings to exclusive promotions and perks, BJ’s Rewards is designed to give members more value for every dollar spent. This guide will cover everything you need to know in 2026 about BJ’s Rewards tiers, redemption rules, exclusions, promotions, and tips to maximize your benefits.

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What is BJ’s Rewards?

BJ’s Rewards is a loyalty and cashback program tied to BJ’s memberships and its branded credit cards. Unlike basic club access, rewards memberships let you earn money back on purchases, get exclusive discounts at BJ’s Gas®, and enjoy special perks like free same-day deliveries or double reward promotions.

It’s important to note that BJ’s Rewards for its Wholesale Club is different from the BJ’s Restaurant & Brewhouse Premier Rewards PLUS program. The restaurant program is separate and focused on dining perks (like free Pizookies), while the wholesale rewards system revolves around shopping, gas, and memberships.

BJ’s Membership Tiers and Rewards

BJ’s Wholesale Club offers different tiers of memberships, each with varying benefits. Let’s break them down:

Membership Type	Annual Fee	Rewards	Gas Savings	Same-Day Delivery	Notes
Standard Club	$55	No rewards	Everyday low gas prices	Paid per order	Basic entry-level membership.
Club+ Membership	$120	2% back on most purchases (up to $500/year)	5¢ off/gal	2 free deliveries/year ($50+)	Rewards expire if membership ends.

Key Takeaway: Standard members don’t earn cashback, but upgrading to Club+ unlocks 2% rewards and fuel discounts.

BJ’s Rewards Credit Cards

BJ’s also offers co-branded credit cards with Capital One, giving members more opportunities to earn rewards both inside and outside the club.

Card	Membership Requirement	Rewards	Gas Discount	Rewards Expiration	Notes
BJ’s One Mastercard	Standard BJ’s Membership	3% back at BJ’s, 1.5% back everywhere else	10¢ off/gal	Never expire while account open	Great for frequent shoppers.
BJ’s One+ Mastercard	Requires Club+ Membership	5% back at BJ’s, 2% back everywhere else	15¢ off/gal	Never expire	No rewards cap; best overall value.

👉 Tip: If you shop at BJ’s regularly and buy gas there, the BJ’s One+ Mastercard offers unmatched value with 5% rewards and 15¢ off per gallon.

Redemption Rules for BJ’s Rewards

Earning rewards is only half the story—you’ll need to know how to redeem them.

Minimum redemption: $10 in rewards.
Where to redeem: Online at BJs.com, through the app, or in-club.
Eligible items: Most products qualify, but alcohol, tobacco, gift cards, and membership fees are excluded.
Expiration:
- Club+ rewards expire if membership lapses.
- Credit card rewards never expire while the account is open.

BJ’s Rewards Promotions

BJ’s frequently runs special promotions to give members even more rewards.

Example: Soda Promotion

Spend $35+ on soda.
Earn a $10 reward credited to your account by October 14.
Must redeem by October 20.

Ongoing Promotions

Double Rewards Events – Mastercard holders sometimes earn up to 10% back (One+) or 6% back (One).
Fuel Saver Program – Buy specially marked items and get extra cents off per gallon.
Buy More, Save More – Seasonal promos where larger bulk purchases earn greater discounts.

Additional Member Benefits

Beyond rewards, BJ’s offers exclusive services to members:

Shopping Conveniences

Curbside Pickup – Free on orders $50+ (always free for premium tiers).
Same-Day Delivery – Two free deliveries per year for Club+ and One+ cardholders.
ExpressPay – Scan items in-club and pay directly from the app.
Stackable Coupons – Combine manufacturer coupons with BJ’s coupons for double savings.

In-Club Services

Tire Center – Free lifetime maintenance with tire purchases.
Optical – Discounts on exams, glasses, and contact lenses.
Gas Stations – Lower prices, plus extra discounts for cardholders.
Bakery & Deli – Custom cakes, platters, and pre-orders.

Special Offers

BJ’s Travel – Discounts on cruises, hotels, rental cars, and packages.
Auto Buying Program – Exclusive vehicle pricing.
Telecom Deals – Member pricing on Verizon and AT&T plans.
Home Services – Special pricing on mortgages, installations, and projects.
Hearing Aids – Save up to 40% with HearUSA.

BJ’s Rewards

How does BJ’s compare with other warehouse clubs?

Feature	BJ’s Club+	Costco Executive	Sam’s Plus
Membership Fee	$120	$120	$110
Rewards Back	2% (max $500)	2% (max $1,000)	2% (no cap)
Credit Card Cashback	Up to 5%	Up to 4%	Up to 5%
Gas Discount	Up to 15¢ off	No fixed discount	No fixed discount
Coupon Stacking	Yes	No	No

👉 Unique Advantage: BJ’s is the only warehouse club that allows coupon stacking, which can significantly increase savings.

Maximize BJ’s Rewards

Upgrade to Club+ for cashback and free delivery perks.
Use the BJ’s One+ Mastercard for 5% back and unlimited earnings.
Stack coupons (store + manufacturer) for double savings.
Buy Fuel Saver items to save extra per gallon at BJ’s Gas®.
Plan shopping around promotions like double rewards days.
Redeem rewards quickly to avoid expiration on memberships.
Track your balance in the BJ’s app.

FAQs About BJ’s Rewards

Here are 15+ FAQs members ask about BJ’s Rewards:

1. What are BJ’s membership tiers?

Standard Club and Club+ (premium). Club+ earns 2% back.

2. Do rewards expire?

Club+ rewards expire if membership lapses; credit card rewards never expire.

3. How much do I need to redeem rewards?

You need at least $10 in rewards to redeem.

4. Can I redeem rewards online?

Yes, through BJs.com or the mobile app.

5. Who can redeem rewards on my account?

Primary and authorized supplemental members.

6. Do I earn rewards on alcohol and tobacco?

No, those purchases are excluded.

7. How do I see my rewards balance?

8. Can supplemental members apply for BJ’s Mastercard?

Yes, but they must have their own application approval.

9. Does BJ’s One Mastercard earn outside BJ’s?

Yes, 1.5% back everywhere else.

10. How much does BJ’s One+ Mastercard earn outside BJ’s?

2% back on all purchases outside BJ’s.

11. Is there a cap on BJ’s Club+ rewards?

Yes, $500 per membership year.

12. Is there a cap on BJ’s Mastercard rewards?

No, Mastercard rewards are unlimited.

13. What is the Fuel Saver Program?

Select items earn you extra gas discounts per gallon.

14. Can I lose my rewards if I downgrade?

Yes, Club+ rewards are forfeited if you downgrade to Standard.

15. How do I get BJ’s special offers by email?

16. Does BJ’s run special double rewards events?

Yes, Mastercard promotions can offer 6–10% back.

17. What’s the difference between BJ’s Wholesale Rewards and BJ’s Restaurant Rewards?

Wholesale Rewards = shopping/gas/cashback. Restaurant Rewards = dining perks at BJ’s Brewhouse.

Final Thoughts

The BJ’s Rewards Program® in 2026 is a powerful tool for members who want to stretch their savings even further. By choosing the right membership tier and credit card, using perks like curbside pickup, and taking advantage of special promotions, you can maximize your cashback and discounts throughout the year.

If you shop frequently at BJ’s, upgrading to Club+ membership and pairing it with the BJ’s One+ Mastercard is the smartest move—it unlocks the highest rewards, best gas savings, and unlimited cashback potential.

BJ’s has managed to combine warehouse club affordability with a true loyalty program, making it one of the most rewarding memberships in the U.S.