BJ's Wholesale Club accepts Apple Pay in stores and online, but only at locations in the northeastern United States

BJ's Wholesale Club takes Apple Pay at its physical warehouse locations and through its website. However, BJ's operates only in the Northeast — primarily Connecticut, Delaware, Florida, Indiana, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, and Vermont — so Apple Pay is available only in those states.

In-store, you can pay with Apple Pay at checkout by holding your iPhone or Apple Watch near the contactless payment terminal. Online, you select Apple Pay as your payment method during checkout on BJ's website or mobile app. The process works the same way as with any other retailer that accepts Apple Pay.

Key Takeaways

  • BJ's accepts Apple Pay both in its warehouse locations and on its website, making it a payment option for members in the Northeast.
  • You can use Apple Pay at the contactless terminal in stores by holding your iPhone or Apple Watch near the reader.
  • Online purchases through BJ's website or app let you select Apple Pay as your payment method at checkout.
  • BJ's membership is required to shop there, regardless of which payment method you use.

How to pay with Apple Pay at BJ's in stores

When you reach the checkout register, tell the cashier you want to pay with Apple Pay or look for the contactless payment symbol on the terminal — a curved wave icon. Hold your iPhone or Apple Watch within a few inches of the reader until you see a checkmark or hear a beep, which signals the payment went through.

You do not need to unlock your phone or open an app. Face ID or Touch ID will authenticate the payment automatically. If the terminal does not recognize your device, ask the cashier to try again or use a different payment method.

Paying with Apple Pay on BJ's website and app

On the BJ's website, add items to your cart and proceed to checkout. When you reach the payment section, you will see Apple Pay as an option alongside credit cards and other methods. Click or tap Apple Pay, and your device will prompt you to authenticate the purchase using Face ID, Touch ID, or your Apple ID password.

The BJ's mobile app works the same way. Select your items, go to checkout, choose Apple Pay, and authenticate. Your payment processes instantly, and you receive an order confirmation right away.

What to do if Apple Pay does not work at checkout

If Apple Pay fails in a store, the most common reason is that your device is too far from the terminal or the terminal does not support contactless payments. Ask the cashier to try again, holding your phone closer. If it still does not work, use a different payment method — BJ's accepts all major credit cards, debit cards, and its own BJ's credit card.

Online, if Apple Pay does not appear as an option, your browser or device may not support it. Try refreshing the page or using a different browser. You can also contact BJ's customer service through its website for help with payment issues.

BJ's membership and payment methods

BJ's requires a membership to shop, whether you pay with Apple Pay or another method. Membership is free to join, though BJ's offers paid tiers with additional benefits like extra discounts and fuel rewards. Your membership card or phone number at checkout grants you access to member prices.

BJ's accepts Apple Pay, all major credit and debit cards, the BJ's credit card, and cash. Some locations may also accept other digital wallets like Google Pay or Samsung Pay, though Apple Pay is the most widely supported.

Regional availability of BJ's locations

BJ's operates exclusively in the Northeast and a few Midwest states. If you live outside these regions, you will not find a BJ's warehouse nearby. You can check whether there is a location in your area by using the store locator on BJ's website — enter your zip code to see the nearest warehouse and its hours.

If you are a member but traveling outside BJ's territory, you cannot use your membership at other warehouses. However, you can still shop online at BJ's.com from anywhere and pay with Apple Pay if you have a valid membership.

Frequently Asked Questions

Can I use Apple Pay without a BJ's membership?

No. BJ's requires a membership to enter the warehouse and shop, regardless of your payment method. You can join for free at the customer service desk or online at BJ's website. Paid membership tiers offer additional discounts and rewards.

Does Apple Pay work at all BJ's locations?

Apple Pay works at all BJ's warehouse locations in the Northeast and Midwest states where BJ's operates. If a specific terminal is not working, ask the cashier to try a different register or use another payment method.

Can I use Apple Pay to buy a BJ's membership?

Yes. When you sign up for a membership in-store or online, you can pay with Apple Pay. If joining online, select Apple Pay at checkout. In-store, tell the customer service desk you want to pay with Apple Pay.

What happens if my Apple Pay payment is declined?

If Apple Pay is declined, check that your card has not expired and that you have sufficient funds. Your bank may also block the transaction if it looks unusual. Contact your bank to confirm the card is active, then try again or use a different payment method.

Is Apple Pay safer than using a credit card at BJ's?

Apple Pay does not share your actual card number with the store — it uses encrypted tokens instead. This makes it at least as secure as swiping or inserting a physical card. Your bank and Apple handle the security, so you have the same fraud protections either way.