If you still have an older plastic card or old paper that says My BJ’s Perks Mastercard, look at the latest mail or notice you got about your account.
Activate My BJ’s Credit Card in 2026: If you are searching for how to activate a BJ’s credit card, it is important to check which card you actually have. BJ’s previously offered the My BJ’s Perks Mastercard, issued through Comenity Capital Bank. However, BJ’s launched the BJ’s One Mastercard program with Capital One in 2023, and the current official account-management and activation process is centered on the newer BJ’s One Mastercard program.
Getting the right program helps you avoid delays when you try to activate or access your account.
Only use official sites for this. Go to the BJ’s or Capital One website. Do not activate through links from surprise emails or texts.
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1) Activate Online Using the BJ’s or Capital One Website
1. Open the BJ’s card page here
2. Sign in, then choose “Register Online Access.”
3. Type your BJ’s Mastercard number and your ZIP code.
4. Fill in the postal code and the ID type when prompted.
5. Enter the last four digits of your SSN as shown on your ID.
6. Select “Find My Account.” You will then be asked to confirm your details. After they match, your account info should show up.
7. Create your username and password to finish.
After that, you can view your BJ’s credit card statement online using the login you just set up.
2. Activate Through the Capital One Mobile App
You can also activate your BJ’s One Mastercard through the Capital One mobile app.
After signing in:
Follow the on-screen instructions and enter the required card verification information. Capital One says users need the card’s 3-digit CVV to complete activation through the app.
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3. Activate Your Card by Phone
Capital One also allows new credit cards to be activated by phone. Call the activation number provided on the removable sticker attached to your new card and follow the automated instructions.
You may be asked to verify card information or the security code. If you make a mistake during the process, Capital One advises ending the call and starting again.
4. Activate Using the Capital One Assistant, Eno
Another option available through the Capital One app is Eno, Capital One’s virtual assistant. Once logged in, users can type “activate” or “act,” choose the card they want to activate, and follow the instructions shown.
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First, make sure you have received the physical card and are using the current BJ’s One Mastercard issued through Capital One. If online or app activation isn’t working, using the phone number on the card’s activation sticker is a good alternative.
BJ’s also lists dedicated support numbers for card-related questions: BJ’s One Mastercard: 844-202-9570 and BJ’s One+ Mastercard: 844-201-4893.
The My BJ’s Perks Mastercard used to belong to an earlier BJ’s credit card setup. Comenity Capital Bank was the issuer. Even now, some Comenity legal papers still mention those older accounts and their Account Center features. Old BJ’s Perks terms also name Comenity Capital Bank as the card issuer.
If you still have an older plastic card or old paper that says My BJ’s Perks Mastercard, look at the latest mail or notice you got about your account. Do that before you try to activate anything. BJ’s later said it would move to the Capital One-backed BJ’s One Mastercard program in 2023. New cards were made available starting February 27, 2023.
So, if you are trying to activate a BJ’s credit card that was issued not too long ago, and you are doing it in 2026, start with the official BJ’s One Mastercard site run by Capital One.
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Once your online account is set up, you can generally use the official BJ’s/Capital One account portal to:
1. Visit the official website of the BJ’s credit card using your browser.
2. Fill in the Sign in box with your details
3. Enter your username and password according to your credit card information.
4. When you click on Sign In, your details will be verified.
5. You can now view your credit card details along with your statements and other relevant details after successfully logging in with your BJ’s master card login credentials.
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Try these steps first:
1. Check the name printed on the card. Is it a current BJ’s One Mastercard or an older My BJ’s Perks Mastercard?
2. Use the official issuer’s website. Current BJ’s One cards are managed through Capital One’s official BJ’s portal.
3. Double-check your card and identity information.
4. Try another browser or clear your browser cache if the activation page isn’t loading.
5. Contact the number printed on the back of your card if online activation continues to fail.
If you’re having any issues with your BJ’s credit card account, please contact customer service for assistance. You can do this in several ways:
Old My BJ’s Perks accounts can have different help phone numbers. Comenity lists them in their documents, and the number depends on which card you have. For that reason, use the phone number printed on your card or shown on your most recent statement.
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