What Qualifies as a Senior Citizen at BJ’s? Unveiling the Benefits and Eligibility Criteria

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Besedky Team

What Qualifies as a Senior Citizen at BJ’s? Unveiling the Benefits and Eligibility Criteria:Are you a senior citizen looking to make the most of your shopping experience at BJ’s? Well, you’ve come to the right place! In this blog post, we will dive into the world of BJ’s senior citizen benefits and help you understand what exactly qualifies as a senior citizen in the eyes of BJ’s. From maximizing your membership value to exploring non-member shopping options, we’ve got you covered. So sit back, relax, and let’s unravel the secrets to getting the best deals at BJ’s as a senior citizen.

Understanding BJ’s Senior Citizen Benefits

Navigating the perks and benefits offered by retail giants can be a perplexing task, especially for senior citizens who are keenly looking for discounts and convenient shopping options. BJ’s Wholesale Club has recognized the needs of this demographic, defining senior citizens as individuals aged 60 and above. In response, BJ’s has structured specific shopping hours and membership benefits to accommodate their senior customers.

Exclusive Shopping Hours for Seniors

One of the most tangible supports BJ’s offers to senior citizens is the creation of designated shopping hours. On Mondays, Wednesdays, and Fridays, from 8:00 a.m. to 9:00 a.m., the doors of BJ’s open exclusively for shoppers aged 60 and over. During these hours, seniors can shop in a less crowded and more relaxed environment, making their experience safer and more pleasant. This approach not only demonstrates BJ’s commitment to its senior customers but also provides a practical solution to the challenges they may face in busier shopping periods.

Flexible Payment Solutions with Citizens Pay

What is Citizens Pay? For seniors managing their finances, BJ’s offers a convenient payment option called Buy Now, Pay Later through Citizens Pay. This flexible installment plan caters to individual items or entire shopping carts worth $99 or more, allowing senior citizens to manage their finances without undue stress.

How to Use Citizens Pay at Checkout

Using Citizens Pay is straightforward. At checkout, simply choose Citizens Pay as your payment option to enjoy the benefits of buying now and paying later. This system fosters responsible spending by providing instant decisions on financing, with competitive rates that ensure seniors can comfortably make their purchases without financial strain.

Approval Process for Citizens Pay

To get approved for Citizens Pay, a soft credit check is initially performed, ensuring there’s no impact on your credit report or score. Should you pass this pre-approval stage, a hard credit check follows during the actual application, which may affect your credit score. This process ensures that the payment plan aligns with your financial standing, minimizing risk and promoting responsible borrowing.

Maximizing the Value of BJ’s Membership

BJ’s membership is the gateway to a plethora of benefits tailored to enhance the shopping experience. With the primary membership, seniors can add a household card at no additional cost, and up to three supplemental members for a fee. This feature is particularly useful for senior citizens who wish to extend their membership benefits to family members residing in the same household.

Different Membership Options

BJ’s offers a variety of membership options, each with its own set of perks. The Inner Circle Membership is the standard tier, while the Perks Rewards Membership goes a step further by offering 2% cash-back Awards on most BJ’s purchases. For senior citizens, the cash-back option can be especially advantageous, as it offers a return on everyday expenditures.

How Many Family Members Can Be on a BJ’s Membership?

Understanding the family dynamics and the importance of sharing benefits, BJ’s allows one household member to be added to the primary membership at no extra cost. Furthermore, for an additional fee, you can include up to three more supplemental members. This inclusivity ensures that senior citizens can share their shopping privileges with loved ones, making it a cost-effective choice for the whole family.

Non-Member Shopping at BJ’s

For those who aren’t BJ’s members, there is still an opportunity to experience the shopping environment through a one-day pass. However, non-members are subject to a 20 percent surcharge on their purchases, which can be a significant addition to the overall shopping bill. This policy underscores the value of membership, particularly for senior citizens who frequently shop at BJ’s and can benefit from the membership discounts over time.

Payment Flexibility: Pay in 4 at BJ’s

BJ’s collaboration with payment services like Sezzle offers another layer of financial flexibility. Customers have the option to split their purchase into four interest-free payments over six weeks, providing a manageable payment structure without additional costs. For seniors managing a fixed income, such payment plans can help distribute the financial load of larger purchases, ensuring they can budget more effectively.

How to Opt for Pay in 4 at BJ’s

Choosing the Pay in 4 option is a breeze. When you reach the payment section of your checkout, select Sezzle as your payment method. Your transaction is then divided into four equal parts, spaced out over six weeks, without interest. This method is particularly beneficial for senior citizens who may need to spread out their payments for budgeting reasons.


BJ’s Wholesale Club has crafted a shopping experience that respects and values senior citizens, acknowledging their unique needs and financial considerations. From dedicated senior shopping hours to a variety of membership benefits, payment options like Citizens Pay, and interest-free installment plans, BJ’s is committed to providing senior citizens with a supportive and accommodating retail environment. Navigating these benefits can significantly enhance the shopping experience for seniors, offering them not just savings, but also the peace of mind that comes with flexible payment options and a community-minded approach to retail.

FAQ & Common Questions about BJs Senior Citizen Membership

Q: Can I use my mom’s BJ’s card?

A: If you have a The Club Card or The Club+ Card Membership (not used for business purposes), you may add one household member, at no charge, and up to three additional supplemental members to your account for a fee.

Q: What is the renewal fee for BJs?

A: The renewal fees for BJs memberships are as follows: Perks Rewards – $110+Tax (with $30 AWARDS at the Register), Inner Circle – $55+Tax (with $20 AWARDS at the Register). Please note that if you had a membership in the past, you must renew it.

Q: How do I use Citizens Pay at checkout?

A: Citizens Pay allows you to enjoy an instant decision to responsibly buy now and pay later. You can use it at checkout by partnering with a variety of retailers that offer competitive rates and financing options. Watch the “How it Works” video for more information.

Q: What is a Citizens Pay account?

A: A Citizens Pay account allows you to make purchases and pay for them later. It offers competitive rates and financing options through partnerships with various retailers.

Q: How many family members can be on a BJs membership?

A: You may add one household member, at no charge, and up to three additional supplemental members to your BJs membership account for a fee.

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